Vice President – Risk & Analytics

Vice President – Risk & Analytics

Requirements

• 10+ years in commercial lending, credit risk analytics, and risk management, with hands-on experience in credit policy, underwriting, and risk scoring.
• Bachelor’s degree required; master’s degree in a quantitative discipline is preferred.
• 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.

Responsibilities

• Define and execute a credit risk strategy that balances growth and risk, aligning lending operations with Billd’s revenue and portfolio quality goals.
• Expand third-party data acquisition to enhance decision-making models, and develop algorithms for automated underwriting, credit limits, pricing, and terms.
• Champion data exploration to extract insights that drive business strategy, using data structure and historical patterns to identify growth opportunities and risk mitigation strategies.
• Manage the analytics of full credit lifecycle, including account and project underwriting, customer management, compliance, collections, and credit decisioning.
• Develop a comprehensive Credit Policy framework that covers credit algorithms, automated decision-making, underwriting, delinquency workflows, and collection processes.
• Regularly update investors on credit policy, algorithm evolution, and portfolio performance, providing insights on default and delinquency rates and relevant market trends.
• Design and optimize strategies for collections, including contact methods, tools, and in-house or outsourced options, aimed at maximizing recovery rates.
• Influence acquisition strategies from a credit perspective, working with marketing and business development to attract high-quality leads.
• Set performance targets, develop reporting infrastructure, and monitor KPIs to ensure that risk and return are balanced effectively.
• Establish risk thresholds and performance benchmarks to support strategic growth, adjusting as the business scales.
• Create forecasting tools to anticipate portfolio growth and identify resources needed to support this growth.
• Identify and mentor talent, structuring the risk department to support Billd’s current and future goals.

Preferred Qualifications

• Direct experience in factoring or small business lending is preferred.
• 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.