Head of Credit & Analytics

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Billd is a fast-growing fintech company looking to disrupt a $1.5 trillion industry. We offer first-of-its-kind, industry-leading financial and technology products to empower our customers, commercial subcontractors. We believe in championing the underdog because no one else does.

You will be challenged to bring your best self to Billd and guaranteed to have the most professionally rewarding experiences of your career. We pride our team on being focused, relentless, and driven, but never take ourselves too seriously and love having fun.

As a rapidly growing company, we offer several opportunities for internal growth and career development. We’re committed to the motivated professionals that work at Billd, but don't just take our word for it. Check out our 4.5 Glassdoor rating to see what our team has to say about working here.

• 4x Top Private Companies award winner (Austin Business Journal)
• 4x Fastest Growing Companies award winner (Austin Business Journal)
• 4x Top Technology Firm (Construction Executive Magazine)
• 2x Top Tech Employer in Austin (Austin Business Journal)
• 2x Best Places to Work (Forbes, Built In)
• 1x Best CEO Nomination (Austin Business Journal)
• 1x Top 10 Startups in Austin (Linked In)

We call our Austin, TX, headquarters home and have a hybrid work model that allows employees the flexibility to work from home on Fridays. Our dog‑friendly office is centrally located north of downtown and features a fully stocked kitchen, on‑site fitness room, and hosts quarterly company‑wide team events.

• Seniority level
  :
  Executive
• Employment type
  :
  Full‑time
• Job function
  :
  Finance and Sales

As VP of Risk and Analytics at Billd, you will be a vital member of a talented executive team, reporting to the CEO. This role is both strategic and hands‑on, positioned to shape and influence Billd’s trajectory as a leading construction finance company. At the core of your role, you will oversee company analytics, credit, and risk management, set and implement the company’s risk assessment framework, and build robust credit decisioning tools.

Excellence in the position will also be driven through working cross‑functionally with operations and product to ensure a comprehensive approach to risk and credit. As such, this role requires a forward‑looking, curious, creative, and proactive leader who will drive Billd’s credit risk strategy to support our ambitious growth goals.

This role will be a critical thought partner in shaping Billd’s broader business strategy. You’ll establish and refine core underwriting, credit operations, and risk management workflows and policies, fostering a data‑first, insight‑driven culture. Your contributions will extend beyond risk management, as you’ll play a central role in defining Billd’s long‑term success through innovation, collaboration, and strategic oversight.

Finally, having an ownership mindset, and a “roll up your sleeves” mentality, is critical to success in the role. Although you will have analytical support, this role will require the ability to “altitude change” from getting into the weeds on issues, to also thinking and acting strategically about the long‑term direction and strategy of the business (and everything in between).

• 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…