Senior Underwriter Analyst

Innovate with purpose At BILL, we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations. And we don’t stop there: we’re creating the future of financial automation so businesses can spend more time on what matters. Working here means you become part of a vision-driven team that’s ready to tackle challenges and build cutting-edge solutions. We value purpose, drive, and curiosity—and we thrive in a fast-paced, ever-changing environment. Whether in one of our offices in San Jose, CA, Draper, UT, or in a remote-eligible role, BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks. BILL builds high performing teams and we seek to hire the best talent for every role. We're committed to building a workplace that fosters inclusion and diverse perspectives, valuing each person’s unique skills and experiences. We’d love to hear from you—you might be just what we’re looking for, whether in this role or another. ✨ Let’s give businesses more time for what matters. With BILL continuing to build out our Risk department, we need an Underwriting Analyst that is able to come into our environment and assist in building our Risk infrastructure. This is an opportunity to own and build something from the ground-up. The Risk team is the foundation of our company, so your position is of high-value to BILL. What You'll Be Doing: Participate in the development and maintenance of credit strategies, processes, and procedures Analyze and underwrite exposures based on fundamental analysis and other predictive models. Participate in the development and maintenance of credit loss forecast Establish and maintain effective performance tracking to ensure strategies and/or forecasts are performing as expected. Apply key learnings to update strategies/loss forecasts in a timely manner Design and implement comprehensive tests and evaluate the financial impact of various treatments to drive enhancements Conduct periodic reviews to ensure accurate execution We’d love to chat if you have: Experience as a credit analyst or underwriter (or other applicable experience) dealing with commercial exposures ranging from small business or middle-market to large, multinational institutions Understanding of fundamental financial analysis Comfort with GAAP/IFRS accounting standards Familiarity with quantitative credit models (such as Moody's RiskCalc) and knowledge of how to interpret the outputs, and explain deviations Comfort with public agency ratings and supporting analysis Understanding of current macroeconomic trends and how to provide recommendations to improve the PD estimation based on the business cycle 5 years experience rating and/or underwriting at a leading financial institution or rating agency Bachelor's degree in finance, accounting, economics, business, or statistics (graduate degree a plus) Chartered Financial Analyst program candidacy a plus Visa Sponsorship: Please note that this position is not eligible for visa sponsorship. Applicants must have authorization to work in the United States without requiring visa sponsorship now or in the future. Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed below. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits. The estimated salary ranges noted below roles in the specific geographic zones Zone 1: San Francisco Bay Area CA (includes HQ), New York City, Seattle, Los Angeles County $90,500 — $108,200 USD Zone 2: CA (Non San Francisco Bay Area and Los Angeles County), Austin TX, Massachusetts $81,400 — $97,300 USD Zone 3: Utah (includes Utah office), Dallas TX, Houston TX, Florida, North Carolina, Illinois, Colorado, Arizona, Georgia, Oregon, Pennsylvania $76,900 — $91,900 USD What’s in it for you? Redefining how businesses automate their work is a fast-paced, exciting, and fun environment. But we also have benefits and perks to ensure the magic isn’t only experienced by our customers, but by our employees as well. Here is a preview of some of the amazing benefits here at BILL: 100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP) HSA & FSA accounts Life Insurance, Long & Short-term disability coverage Employee Assistance Program (EAP) 11+ Observed holidays and wellness days and flexible time off Employee Stock Purchase Program with employee discounts Wellness & Fitness initiatives Employee recognition and referral programs And much more Don’t believe us? Check out our culture, benefits, and teams on our career site , LinkedIn Life , or YouTube pages. BILL is an Equal Opportunity Employer. We believe our best ideas come from the unique stories, perspectives, and experiences of our team members. We welcome people of all backgrounds, abilities, and identities to bring their authentic selves and contribute to our culture. We are committed to a transparent, inclusive hiring process that reflects our values. If you need accommodations at any stage, please contact [email protected] . To ensure a fair evaluation, our Candidate Integrity Policy prohibits the use of unapproved external assistance, including generative AI, during live interviews or assessments. Doing so will result in a review and potential disqualification. Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.