VP of Credit and Analytics

| Austin
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About Billd

Billd is an exciting new FinTech company transforming the way construction companies finance projects. Billd is well funded, has its product in the market, and has been recently featured in VentureBeat, Austin Business Journal, and Modern Contractor Solutions as one of the innovation leaders in this space.

We believe in attracting and hiring the best and brightest. We are looking for talented, motivated professionals to join our growing team. At Billd, you will be challenged to be your best self and guaranteed to have one of the most professionally rewarding experiences of your career.

Interested in what our teammates and customers have to say about Billd? Feel free to check out our 4.6 star Glassdoor rating and 4.8 Trust Pilot rating .

The Role

Billd seeks a VP of Credit and Analytics to lead and manage all aspects of credit, risk management, and analytics. This executive will be responsible for providing effective oversight of the company's enterprise credit management; developing and implementing the credit policy; ensuring the company operates within manageable limits; and leading, both directly and indirectly, groups of people within multiple functions relating to risk management. This person will be responsible for managing core underwriting and credit operations policy/process/workflows while also managing the account and project underwriting team.

The VP of Credit and Analytics will serve as the company's credit leader with responsibility for developing and leading a credit risk strategy that will facilitate ambitious growth, while still maintaining an appropriate level of quality for the portfolio. In addition to developing all of the required frameworks, models, and policies and evaluating transactions, s/he will be a key strategic partner to executive management in developing and implementing the growth strategy of the business. This role will build and manage a team of data scientists, business analysts, and senior managers who are responsible for analytics to credit, marketing, sales, and product.

It is critical for this role to work hand in hand with other functional divisions such as technology, sales, customer service, legal and financial operations. Ability to work functional is required for this role. This role will report directly to the CEO.

What You'll Do

  • Oversee policy of applicant and project underwriting, credit decisioning, compliance, financial operations, and collections
  • Develop, implement and enforce company Credit Policy, which includes credit algorithm, automated decisioning, individual applicant/project underwriting process, credit limit determination methodology, delinquency and default workflows, and collection process
  • Build and manage analytics team responsible for credit, sales, marketing, and product insight, testing, and performance tracking
  • Design, test, and implement strategies that impact approvals, pricing, and delinquency performance
  • Understand and manage applicable industry regulation
  • Expand third-party data acquisition that feeds to credit decisioning model
  • Accountability to portfolio delinquency targets
  • Manage financial operations which include loan disbursements and payment servicing
  • Maintain knowledge of new regulatory developments impacting lending policies (consumer and business), product compliance, and loan underwriting guidelines
  • Provide technical assistance to Account Management and Business Development staff to improve intake and application documentation process
  • Lead all portfolio reporting required by investors, debt providers, and credit bureaus
  • Work directly with company investors to update on credit policy changes including the evolution of credit algorithm, target vs. actual default and delinquency rate, and industry trends that affect credit decisioning
  • Assist in capital markets diligence as needed

Skills and Qualifications

  • Ten or more years of experience working in commercial lending, credit risk analytics, and risk management with lending organizations including the development of credit policy, underwriting standards, and internal risk scoring
  • Experience in developing credit policy and credit algorithms with B2B lending
  • A data-driven approach to credit algorithm development and maintenance
  • Excellent analytical and planning skills
  • Bachelor's degree in business, finance, or a related field
  • A graduate degree is preferred

Billd is committed to diversity and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.
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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
    • .NETLanguages
    • C#Languages
    • JavascriptLanguages
    • AngularJSFrameworks
    • Google AnalyticsAnalytics
    • MixpanelAnalytics
    • ConfluenceManagement
    • JIRAManagement
    • WordpressCMS
    • HubSpotCRM
    • IntercomCRM
    • SalesforceCRM
    • MailChimpEmail

Location

Just 10 minutes north of downtown Austin, and right next to plenty of bars and restaurants.

An Insider's view of Billd

What’s the vibe like in the office?

Excitement. Team members celebrate others' successes both inside and outside the company. When a client calls up because they've just won a bid on a major project - and the clients know that we're there to help them - the excitement is tangible. We're solving age-old problems with an innovative approach, nothing is more exciting than that.

Jon Placa

Director of Financial Operations

What projects are you most excited about?

I'm most excited about our technology partnerships, specifically with Procore and Stack. Billd's credit terms act as a perfect complement to construction technology platforms and it is exciting to develop integrations into our partners workflow. Ultimately, the integrations create more value for contractors with a great user experience.

Robbie Reynolds

Director of Business Development

How does the company support your career growth?

The leadership of this company is serious about professional development and letting employees take on big challenges that excite them. Billd has allowed me to explore different teams and roles since I joined a year ago. It’s exciting to look around and see the amount the company has grown and to consider how much I’ve grown as well.

Josie

Sales Enablement Manager

What's something quirky about your company?

I consider under-desk hammocks, nitro green tea on draft, and a fully built out cross-training gym 100% mainstream at this point, so no quirks there. If I'm thinking "quirky," it'd have to be our Billd Office Music Policy: first person to arrive in the morning selects the jams for the day (no skips allowed).

Russ Briscoe

Director of Contractor Partnerships

What are Billd Perks + Benefits

Culture
Friends outside of work
Eat lunch together
Open door policy
Group brainstorming sessions
Open office floor plan
Diversity
Someone's primary function is managing the company’s diversity and inclusion initiatives
Hiring Practices that Promote Diversity
Health Insurance & Wellness Benefits
Dental Benefits
Vision Benefits
Health Insurance Benefits
Onsite Gym
Retirement & Stock Options Benefits
401(K)
Company Equity
Performance Bonus
Child Care & Parental Leave Benefits
Generous Parental Leave
Vacation & Time Off Benefits
Unlimited Vacation Policy
Generous PTO
Paid Holidays
Paid Sick Days
Perks & Discounts
Beer on Tap
Casual Dress
Company Outings
Game Room
Stocked Kitchen
Some Meals Provided
Happy Hours
Parking
Pet Friendly
Recreational Clubs
Professional Development Benefits
Job Training & Conferences
Lunch and learns
Cross functional training encouraged
Promote from within
Time allotted for learning
Customized development tracks
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