Staff Risk Data Scientist

San Jose, CA, United States

Do the best work of your career as a champion for small and mid-size businesses.

BILL is a leader in financial automation software for small and midsize businesses (SMBs). As a champion of SMBs, we are dedicated to automating the future of finance so businesses can thrive. Hundreds of thousands of businesses trust BILL solutions to manage financial workflows, including payables, receivables, and spend and expense management. With BILL, businesses are connected to a network of millions of members, so they can pay or get paid faster. Through our automated solutions, we help SMBs simplify and control their finances, so they can confidently manage their businesses, and succeed on their terms.

BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. We have operations in San Jose, CA, Draper, UT, Houston, TX and are continuing to expand into other geographic locations. If you’re looking for a place that helps you do the best work of your career, look no further than BILL.

Make your impact within a rapidly growing Fintech Company

We are looking for a detail oriented, enthusiastic and dedicated Staff Risk Data Scientist to join Bill’s Risk Data Innovation team with a focus on fraud and credit risk. The incumbent will be working on data science projects related to key risk department initiatives. The data scientist will own key projects associated with predictive fraud detection, transaction risk modeling, credit underwriting, portfolio monitoring and loss mitigation (fraud & credit) to support new payment products. This individual will also design experiments to understand the impact of customer experience when leveraging machine learning in complex risk strategy changes. This position requires a person who has experience with developing machine learning models and performing advanced analytics preferably in the risk domain.

We’d love to chat if you have:

Minimum 6 years of industry experience in data science and machine learning, preferably in risk, payments or financial services domain

An advanced degree (M.S., PhD.), preferably in Statistics, Physical Sciences, Computer Science, Economics, Mathematics, or a related technical field

Strong track record of performing data analysis and statistical modeling using Python, SQL or similar tools

Mastery of a wide range of Machine Learning techniques, tools, and methodologies with a demonstrated capability to apply them to a broad range of business problems and data sources

Machine learning techniques include clustering, classification, regression, decision trees, neural nets, anomaly detection etc.

Ability to clearly communicate complex results to technical experts, business partners, and executives

Comfortable with ambiguity and yet able to steer analytics projects toward clear business goals, testable hypotheses and action-oriented outcomes

Experience solving problems related to risk using data science and analytics

Experience working with cross functional teams including product, engineering and operations and leading organization-wide initiatives spanning multiple team

Ability to proactively find the pain points in the current process flows and make business suggestions that are sustainable and able to have long term impact by leveraging strategic thinking, and independently provide solutions to business problems with the solid technical skills and problem solving skills

The estimated salary  range for this role is noted below for our San Jose based role.  Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits.

San Jose pay range $167,400—$200,700 USD Let’s talk about benefits

100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP)

HSA & FSA accounts

Life Insurance, Long & Short-term disability coverage

Employee Assistance Program (EAP)

11+ Observed holidays and wellness days and flexible time off

Employee Stock Purchase Program with employee discounts

Wellness & Fitness initiatives

Employee recognition and referral programs

And much more

For positions that are in office we support a hybrid work environment with on-site and remote work days. Check out our LinkedIn Life Page for each location and Discover BILL.

We live our culture and values every day

At BILL, we’re different by design—it's our culture. Our CEO is a trusted entrepreneur who lives our cultural values: Humble, Authentic, Passionate, Accountable, and Fun. People here love being their authentic selves, contributing unique experiences, sharing ideas, perspectives, and intellectual curiosity. We celebrate our diversity as the heart and soul of how we work, grow, and succeed together. Inspiring people with meaningful career experiences they love really does make the dream work and our successes just keep getting better. There’s no limit to what we can build and where we can go from here. We’d love you to join us.

BILL is proudly an Equal Opportunity Employer where everyone is welcome. Our innovation and technology are inspired by an inclusive culture unlike any other. Everyone brings a different personal story and perspective and this diverse mix of minds, backgrounds, and experiences is where our greatest ideas come from. We welcome people of all races, ethnicities, ages, religions, abilities, genders, and sexual orientations to make us an even more vibrant company. We want everyone to bring their authentic selves here, to share our values, shape our vision, drive innovation, and become part of a culture we celebrate every day.

Our promise to our candidates is to be transparent, diligent, and engaging while guiding individuals through each step of our hiring process. At BILL we strive to achieve an inclusive and positive candidate experience that aligns with our core values and focuses on diversity. If you require a reasonable accommodation for your application, interviews, or another aspect of the hiring process, please contact [email protected].

BILL Culture:

Humble - We check our egos at the door. We are curious. We listen, accept feedback.

Authentic - We earn and show trust by being real—embracing our authentic selves.

Passionate - We care deeply about each other and our customers.

Accountable - We are duty-bound to each other, our customers, and society.

Fun  - We wrap it all together by building connections and enjoying time spent together.

Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants