Director of Credit & Analytics

Company overview

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. At Billd, AI is central to how we build and operate. We’re looking for people who are energized by AI and want to be at the forefront of AI adoption. 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 4.3 Glassdoor rating to see what our team has to say about working here. Some of our awards include: 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, BuiltIn), 1x Best CEO Nomination (Austin Business Journal), 1x Top 10 Startups in Austin (LinkedIn). We call our Austin, TX, headquarters home. Our dog-friendly office features a fully stocked kitchen, on-site fitness room, and hosts quarterly company-wide team events.

Schedule

This role follows an in-office Monday through Thursday schedule, with Friday remote if desired. There is added flexibility available through our work-from-home allowance. This role is not eligible for fully remote work.

About the role

As the Director of Credit and Analytics, you will lead credit risk modeling and portfolio analytics at Billd. Reporting directly to the Chief Operating Officer, this role is responsible for the design, development, and ongoing performance of the decisioning models that govern underwriting, credit limit assignment, and risk-based pricing tiers across Material Financing, Pay App Advance, and Flex Line. Billd’s approach is specific to commercial construction: our models assess the subcontractor, the project, and the general contractor together to forecast the subcontractor’s cash flow and the timing of payments through the project payment chain. The modeling framework is built on CHAID decision trees, complemented by regression and gradient boosting (XGBoost). This is a senior, hands-on role that is approximately 90% analytical. You will set the strategic direction for Billd’s credit models and carry out the quantitative work directly, from feature engineering and model development through validation and performance monitoring, with AI-assisted analytics integrated into your daily workflow. You will also own all credit reporting to the CEO, the board of directors, and our capital partners. The ideal candidate combines deep statistical expertise with a practitioner’s command of B2B credit, and pairs quantitative rigor with the judgment to interpret model outcomes in context. This role partners closely with Operations and Underwriting, who apply the models to individual transactions, and does not process or approve deals.

Responsibilities

• Credit Models: Lead the design, development, and governance of Billd’s CHAID-based decisioning models, incorporating regression and gradient boosting (XGBoost) where they improve predictive performance. Manage the full model lifecycle, including development, validation, deployment, ongoing monitoring, and recalibration.
• Cash Flow and Payment Prediction: Model the interaction of contractor, project, and general contractor risk to forecast subcontractor cash flow and payment timing across the construction payment cycle.
• Data and Risk Attributes: Engineer predictive attributes from bank transaction data, commercial and consumer credit bureau data, lien and judgment records, project data, and Billd’s internal repayment history. Assess new third-party data sources based on their incremental predictive value.
• Tiers, Limits, and Eligibility: Translate model output into credit tiers, credit limit methodology, and product eligibility for Material Financing, Pay App Advance, and Flex Line, and recommend calibrated changes to credit policy thresholds.
• Credit Modeling Strategy: Define the credit modeling roadmap and its trade-offs among growth, approval rates, and loss performance.
• Credit Reporting: Own all credit reporting to the CEO, board of directors, and capital partners, including portfolio performance and concentration, delinquency and loss trends, vintage and roll-rate analysis, and model performance. Present model changes and recommendations to the Credit Committee.
• Monitoring and Forecasting: Monitor model discrimination, calibration, and stability over time. Lead loss forecasting, scenario analysis, and stress testing, and identify early indicators of portfolio deterioration.
• AI-Dr