Credit Risk Analyst, Billie
2-5 days a week in office
Buy Now, Pay Later payments for business
Open for applications
Buy Now, Pay Later payments for business
101-200 employees
Open for applications
2-5 days a week in office
101-200 employees
Company mission
To simplify purchasing for all companies and open up new opportunities for growth.
Role
Who you are
- This is a fantastic opportunity if you thrive on transforming complex data into actionable strategies
- You're comfortable diving into operational details while always looking for ways to automate and improve, and you have a genuine interest in deepening your expertise in quantitative risk modeling and policy creation
- 3–4 years of impactful experience in quantitative risk analytics, data analytics, or a similar role where you've used data to drive decisions
- Strong proficiency in SQL – you know how to effectively query, manipulate, and extract insights from data
- A proven ability to manage data-driven initiatives from analysis through to implementation, translating complex findings into actionable business insights and tracking their success
- Excellent communication skills, with the ability to distill complex analytical concepts clearly and concisely for diverse audiences across all levels
- A sharp analytical mind combined with sound business judgment and a natural curiosity to explore data and uncover hidden patterns
- Previous experience in, or a strong understanding of, credit risk, fraud prevention, or portfolio management principles
- Bonus: Experience with data visualization and BI tools (like Tableau, Looker, Power BI) to bring data stories to life
What the job involves
- At Billie, our Credit Risk team plays a crucial role in our success
- We're the analytical engine ensuring the health of our portfolio, balancing risk mitigation with enabling business growth
- We achieve this through a smart mix of quantitative modeling, sharp decision science, and efficient operations
- We're looking for a curious and driven Credit Risk Analyst to become a key player in our credit risk data science team
- In this role, you'll directly contribute to shaping the frameworks for our credit and limit decisions, find innovative ways to optimize operational workflows, and be a vital communication link with various stakeholders
- You'll have a direct impact, guiding strategic risk decisions that align with our company values, effectively managing risk, and identifying opportunities that fuel our growth
- Drive Insights: Leverage in-depth analysis of portfolio data (exploring credit risk, approval rates, funnel performance, etc.) to directly inform and continuously optimize our risk management strategies
- Champion Data Science: Generate key portfolio insights and effectively communicate them across the organization, advancing our data-driven approach
- Master Our Systems: Develop a deep understanding of our sophisticated risk-tech systems, including multiple API services and integrations with scoring providers, to ensure they meet our evolving needs
- Collaborate & Communicate: Clearly articulate findings and recommendations, collaborating effectively and independently with internal teams and external partners, ensuring prompt escalation and resolution when needed
- Shape Strategy: Directly influence strategic risk decisions, helping Billie strike the right balance between mitigating risk and seizing growth opportunities
Our take
Buy Now, Pay Later(BNPL) options have exploded in popularity in recent years, with companies such as Klarna and Clearpay providing an additional line of credit to customers allowing them to split the cost of their purchases over several installments. Billie is a BNPL built for business transactions, using machine-learning driven risk models to responsibly finance B2B purchases.
With over 100,00 customers processing more than €750 million on its platform, Billie does not face much competition in its market. While BNPL firms like Afterpay and Klarna could theoretically move into the B2B space, they are specialised in B2C financing and lack Billie's data on the B2B sector. Billie also boasts a range of features designed specifically for intra-company sales such as instant verification, invoicing tools and business payment options which give it a large advantage against any new rivals.
Billie has raised a significant amount of funding from investors, most recently in a 2021 Series C round. Additionally Its 2022 integration with Klarna, allowing companies with a Klarna installation to swiftly switch over to Billie's payment options for B2B sales has removed a major roadblock to its future expansion. This move, alongside its entrance into more markets in Europe, will likely speed the company's ascension to Unicorn status and solidify its market lead in the BNPL space.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
Company
Funding (last 2 of 5 rounds)
Oct 2021
$100m
SERIES C
Jul 2019
$34.5m
SERIES B
Total funding: $150m
Company benefits
- Flexibility first: We come to the office for important events, but do not have a permanent office presence. Our teams decide how to get the best results
- 30 days vacation per year and 5 extra paid days to look after sick children
- Virtual Share Program
- German language courses from different language levels free of charge
- One-off relocation bonus to make your move easier
- Reimbursement of travel expenses and discount on local public transport in Berlin with the BVG
- Individual training budget of 1,000 euros for courses, conferences and more every year
- Free gym access, weekly yoga classes, healthy snacks, cereals, drinks and more
Company HQ
Kreuzberg, Berlin, Germany
Leadership
Aiga Senftleben
(General Counsel)Previously worked on the Legal Counsel at eBay and Paypal. Also worked at Funding Circle Deutschland as a General Counsel and is now a member of the Digital Finance Forum at the Federal Ministry of Finance (Germany)
Christian Grobe
(MD)Graduated from the Free University of Berlin with a Ph.D. in Political Science. Previously co-founded Funding Circle/Zencap where they served as the Managing Director. Also Worked as an Engagement Manager at McKinsey & Company.
Dr. Matthias Knecht
(Co-CEO)Previously co-founded Funding Cirlce/Zencap where they served as Managing Director. Also worked as an Engagement Manager at McKinsey & Company.
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