Billd · 1 hour ago
Head of Credit & Analytics
Austin, TX
Full-time
Hybrid
Director/Executive
10+ years expBilld is a fast-growing fintech company aiming to disrupt the construction finance industry. The VP of Risk and Analytics will oversee company analytics, credit, and risk management, shaping the company's credit risk strategy and ensuring alignment with growth goals.
Financial ServicesFinTechPaymentsReal Estate
Responsibilities
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
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
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
Build and Enforce Credit Policies: Develop a comprehensive Credit Policy framework that covers credit algorithms, automated decision-making, underwriting, delinquency workflows, and collection processes
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
Drive Customer Acquisition Quality: Influence acquisition strategies from a credit perspective, working with marketing and business development to attract high-quality leads
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
Accurate Forecasting and Planning: Create forecasting tools to anticipate portfolio growth and identify resources needed to support this growth
Build a Scalable Team: Identify and mentor talent, structuring the risk department to support Billd’s current and future goals
Qualification
Required
10+ years in commercial lending, credit risk analytics, and risk management, with hands-on experience in credit policy, underwriting, and risk scoring
Demonstrated ability to understand complex data structures, actively explore data insights, and apply findings to drive business decisions
Exposure to acquisitions, underwriting, collections, recoveries, and fraud within B2B lending environments
Proven expertise in B2B lending, preferably with experience in construction finance or adjacent industries
Experience in a high-growth, analytical environment with a strong focus on profitability and risk/return optimization
Known for implementing incremental and significant value-driving initiatives
Bachelor's degree required
Preferred
Direct experience in factoring or small business lending is preferred
Master's degree in a quantitative discipline is preferred
Benefits
Hybrid work model
Flexibility to work from home on Fridays
Dog-friendly office
Fully stocked kitchen
On-site fitness room
Quarterly company-wide team events
Company
Billd
Billd is a construction finance company that offers material purchases at 120-day terms to the construction industry.
51-200 employees
H1B Sponsorship
Billd has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2024 (2)
2023 (1)
2022 (1)
2021 (1)
Funding
Current Stage
Growth StageTotal Funding
$358.8MKey Investors
MissionOGATLAS SP PartnersLL Funds
2025-11-05Series Unknown· $7.3M
2024-12-12Debt Financing· $144M
2024-10-29Series Unknown· $17.5M
Leadership Team
Christopher Doyle
President and CEO
Allison Dancy
Chief Marketing Officer
Recent News
alleywatch.com
2025-11-11
vcnewsdaily.com
2025-11-07
Company data provided by crunchbase