Head of Credit & Analytics
Billd
Lead credit risk strategy, analytics and underwriting for fintech growth
8 days ago ago
Expert & Leadership (13+ years), Experienced (8-12 years)
Full Time
Austin, TX
Hybrid
Company Size
121 Employees
Service Specialisms
Material Financing
Pay‑App Advance
Contractor Financing
Project‑based Credit
Accounts Receivable Financing
Sector Specialisms
Commercial
Residential
Industrial
Energy
Infrastructure
Buildings
Water Resources
Heavy Civil
Role
What you would be doing
credit policies
credit models
forecasting tools
kpi monitoring
data analytics
investor reporting
- Build and Enforce Credit Policies: Develop a comprehensive Credit Policy framework that covers credit algorithms, automated decision-making, underwriting, delinquency workflows, and collection processes.
- Lead Credit Strategy and Optimization: Define and execute a credit risk strategy that balances growth and risk, aligning lending operations with Billd’s revenue and portfolio quality goals. Having a deep understanding of the intersection between risk, operations, and product, will be critical.
- Insight-Driven Decision-Making: Champion data exploration to extract insights that drive business strategy, using data structure and historical patterns to identify growth opportunities and risk mitigation strategies.
- Oversee Financing Lifecycle Analytics: Manage the analytics of full credit lifecycle, including account and project underwriting, customer management, compliance, collections, and credit decisioning. Ensure policies align with Billd’s growth and operational efficiency goals.
- Accurate Forecasting and Planning: Create forecasting tools to anticipate portfolio growth and identify resources needed to support this growth.
- Develop Credit Models and Algorithms: Expand third-party data acquisition to enhance decision-making models, and develop algorithms for automated underwriting, credit limits, pricing, and terms.
- Establish KPIs and Monitoring: Set performance targets, develop reporting infrastructure, and monitor KPIs to ensure that risk and return are balanced effectively.
- Define Risk Appetite and Performance Goals: Establish risk thresholds and performance benchmarks to support strategic growth, adjusting as the business scales.
- Build a Scalable Team: Identify and mentor talent, structuring the risk department to support Billd’s current and future goals.
- Drive Customer Acquisition Quality: Influence acquisition strategies from a credit perspective, working with marketing and business development to attract high-quality leads.
- Investor Relations and Reporting: Regularly update investors on credit policy, algorithm evolution, and portfolio performance, providing insights on default and delinquency rates and relevant market trends.
- Support Collections and Recoveries: Design and optimize strategies for collections, including contact methods, tools, and in-house or outsourced options, aimed at maximizing recovery rates.
What you bring
b2b lending
credit risk
factoring
data-driven
bachelor's
10+ years
- Comprehensive Lending Lifecycle Knowledge: Exposure to acquisitions, underwriting, collections, recoveries, and fraud within B2B lending environments.
- Educational Background: Bachelor’s degree required; master’s degree in a quantitative discipline is preferred.
- B2B Lending Acumen: Proven expertise in B2B lending, preferably with experience in construction finance or adjacent industries.
- Factoring and Small Business Lending Background: Direct experience in factoring or small business lending is preferred.
- Experience and Expertise: 10+ years in commercial lending, credit risk analytics, and risk management, with hands-on experience in credit policy, underwriting, and risk scoring.
- Data-Driven Mindset: Demonstrated ability to understand complex data structures, actively explore data insights, and apply findings to drive business decisions.
- Innovative and Creative Problem Solver: Known for implementing incremental and significant value-driving initiatives.
- Strategic and Tactical Leadership: Experience in a high-growth, analytical environment with a strong focus on profitability and risk/return optimization.
- 2x Best Places to Work (Forbes, BuiltIn)
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Interview process
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Company
Overview
2018
Founding Year
The company was born in Austin in 2018.
60-120 Days
Payment Cycle
Typical payment cycles for subcontractors in the construction industry.
$14B+
Project Value
The total value of projects the company has financed to date.
3x growth
Employee Growth
The company scaled its staff from under 30 to over 100 employees in less than a year.
- They built a proprietary risk model that understands construction logic—not typical credit scores—to underwrite working capital for material and pay-app financing.
- Rather than making clients wait 60 to 120 days for payment, Billd pays suppliers upfront and gives subcontractors flexible repayment aligned with their project cycles.
- With projects spanning commercial buildings, industrial facilities, government works, utilities infrastructure, and multi-family developments, they enable subs to bid bigger and grow faster.
- Their narrative isn’t about banks or loan desks—it’s about championing subcontractors by speaking their language, accelerating cash flow, and rewriting how construction gets paid.
- grit
- selflessness
- always striving to be better
$17.5 Million
Funding for Deforestation Efforts
Investment raised to support reducing paper receipts and deforestation through a digital billing platform.
- platform enables consumers and retailers to eliminate paper bills and reduce environmental degradation
- committed to safeguarding the planet as a core part of growth strategy
- four‑pillar DEI strategy: building balanced teams with diverse representation throughout the organization
- cultivating inclusive leadership through education, training, and mentoring
- fostering a culture of belonging to engage and celebrate employees’ authenticity
- supporting seven employee resource groups (women; Latinx; Black; LGBTQIA+; disabilities & mental health; veterans; Pan Asian & Pacific Islanders)
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