Build With Us


Senior Risk Portfolio Analyst



San Jose, CA, USA
Posted on Thursday, April 25, 2024

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

The Portfolio Management Department orchestrates the execution and advancement of the strategic roadmap within the Risk Management division, emphasizing end-to-end ownership and harnessing data-driven insights. Collaborating seamlessly across all levels of the Risk team, including senior leadership, we spearhead transformative initiatives and meticulously oversee governance processes. As a vital member of the Portfolio team, you'll spearhead the execution of pivotal, cross-functional projects, foster robust partnerships with stakeholders, and champion strategic innovation across the Risk organization.

  • Lead the planning, execution, and delivery of strategic programs and initiatives within the Fraud and Credit Risk Strategy Team.
  • Collaborate with cross-functional teams to define project scope, objectives, and deliverables, ensuring alignment with organizational goals.
  • Develop and maintain comprehensive project plans, timelines, and resource allocation to ensure successful execution of initiatives.
  • Monitor project progress, identify risks and issues, and implement mitigation strategies to address potential roadblocks. Utilize SQL knowledge to interpret data and draw trends for informed decision-making.
  • Drive continuous improvement initiatives to enhance efficiency and effectiveness in fraud and credit risk management processes, demonstrating strategic thinking and problem-solving skills.
  • Provide regular updates and reports to senior leadership on project status, milestones achieved, and key performance indicators, articulating thought processes clearly through storytelling.
  • Providing support in incident resolution when needed, working closely with Engineering teams to manage partner communications and escalations.
  • Foster a culture of innovation and collaboration within the team to drive excellence in project delivery and portfolio management.

We’d love to chat if you have:

  • Bachelor's degree in Business Administration, Finance, or related field; Master's degree preferred.
  • 5-7 years of experience in program management and portfolio execution, preferably within fintech or financial services.
  • Robust grasp of fraud and credit risk management principles, processes, and best practices.
  • Strong analytical skills for solving complex problems, including using statistics and data science.
  • Proficiency in SQL and Excel, including key data science libraries, with experience working with large datasets.
  • Exceptional at developing and nurturing relationships with key internal stakeholders
  • Ability to communicate complex results clearly to technical experts, business partners, and executives, including developing Tableau dashboards and visualizations.
  • Comfortable navigating ambiguity and steering analytics projects toward clear business goals and actionable outcomes.
  • Experience in working at matrixed organizations with strong cross-functional collaboration
  • Exceptional leadership and communication skills across all organizational levels, with a proactive approach to multitasking and problem-solving.
  • Thrives in fast-paced startup environments, adept at adapting to changing priorities.
  • Proficiency in project management tools including Gsuite, Asana, Smartsheet, Confluence, and Miro/Lucidchart.
  • PMP certification or equivalent is considered a plus.

Preferred Qualifications:

  • Experience in banking, e-commerce, or payments industries.
  • Knowledge of and experience with payment technologies and ecosystems.
  • Intermediate Python knowledge.
  • Experience in a high-growth technology company.

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
$126,900$151,800 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

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