We are Billie, the leading provider of Buy Now, Pay Later (BNPL) payment methods for businesses, offering B2B companies innovative digital payment services and modern checkout solutions. We are to create a new standard for business payments and have made it our mission to simplify the purchasing experience for all businesses making it a tool for growth. Our solutions are based on proprietary, machine-learning-supported risk models, fully digitized processes and a highly scalable tech platform. This makes us a deep-tech company building financial products, not the other way around. We love building simple and elegant solutions and we strive for automation and scalability.
About the role:
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 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.
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. 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.
What You'll Do:
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.
Who we are looking for:
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 we offer:
Challenging and impactful work that drives personal and professional growth
One of the best Virtual Shares Incentive Programs in the market, so that everyone at Billie is invested in our success
Flexible work hours and trust in your ability to deliver, empowering you to take control of your work-life balance
A hybrid working approach that allows you to work from home for up to 3 days per week
Enjoy 30 days vacation per year on top of paid public holidays, sabbatical opportunities, and extra child sickness leave for parents.
Our “Catch a Ride with Billie” program that enables discounted access to Berlin Public Transport (BVG), Deutschland-Ticket, OR JobRad
A yearly development budget to broaden your skill set and horizons
Free German group classes
An English-speaking, multicultural team with more than 40 nationalities
Building meaningful connections with your colleagues through company and team events, interest groups, the Billie run club, game nights, and more, powered by our Formula Fun Team!
