Credit Risk Strategy Data Scientist
Company: Bill.com
Location: Campbell
Posted on: January 14, 2026
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Job Description:
At BILL, we believe in empowering the businesses that drive our
economy. By replacing outdated financial processes with innovative
tools, we help businesses—from startups to established brands—make
smarter decisions and gain control of their operations. And we
don’t stop there: we’re creating the future of financial automation
so businesses can spend more time on what matters. Working here
means you become part of a vision-driven team that’s ready to
tackle challenges and build cutting-edge solutions. We value
purpose, drive, and curiosity—and we thrive in a fast-paced,
ever-changing environment. Whether in one of our offices in San
Jose, CA, Draper, UT, or working remotely, BILLders collaborate to
deliver real impact for businesses that need more time in their
busy weeks. BILL builds high performing teams and we seek to hire
the best talent for every role. Were committed to building a
workplace that fosters inclusion and diverse perspectives, valuing
each person’s unique skills and experiences. We’d love to hear from
you—you might be just what we’re looking for, whether in this role
or another. What Youll Do • Lead the way: Drive the development,
maintenance, and refinement of risk strategy frameworks and complex
rules to achieve ambitious business goals. • Be a data detective:
Use advanced analytics and data science techniques to solve complex
business problems. This includes building sophisticated SQL/Python
scripts, interpreting results, and influencing decision-making with
your findings. • Collaborate and create: Partner with
cross-functional teams, including product, engineering, and
operations, to identify new opportunities, establish business
requirements, and guide the execution of strategies across the
customer lifecycle. • Build powerful tools: Develop flexible
performance dashboards and monitoring tools using platforms like
Tableau to provide clear, actionable insights to a variety of
audiences. • Stay ahead of the curve: Identify and execute new
opportunities to optimize processes and proactively detect and
respond to evolving risk trends. • Mentor and grow: Help mentor and
support junior team members to help them achieve their goals. What
Were Looking For • Proven experience: Minimum of 3 years of
experience in fraud or credit risk strategy within the fintech,
e-commerce, or online payments industry. • Technical expertise:
Proficiency in SQL and Python, with a strong ability to work with
large, complex datasets and leverage data science libraries. •
Analytical mindset: Demonstrated ability to use statistics and data
science to solve complex, ambiguous problems and drive data-driven
decisions. • Exceptional communication: Ability to clearly and
concisely communicate complex results to both technical experts and
business leaders. • Hands-on experience: Direct experience with
developing and deploying data-driven and automated monitoring
rules, and the ability to find and recommend enhancements for
existing processes. Bonus Points • Experience in experimental
design and data/control governance. • Knowledge of fraud
typologies, such as onboarding fraud/abuse. • Experience with
customer management or collections strategies for credit products
like revolving credit cards or merchant cash advances.
Keywords: Bill.com, Elk Grove , Credit Risk Strategy Data Scientist, Accounting, Auditing , Campbell, California
