Freelance Credit Risk Modeling Jobs in Orem, UT (NOW HIRING)

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 By replacing outdated financial processes with innovative tools, we help businesses-from startups to established brands-make smarter decisions and gain control of their operations.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.

The Risk Product team is building the core intelligence layer that keeps BILL's ecosystem safe, scalable, and trustworthy. As Senior Lead Product Manager for the Risk Platform, you will own the technical product strategy for the decisioning and policy engine that powers real-time risk evaluation across credit, fraud, and compliance. This is not a feature team: it is the foundational infrastructure that every risk control at BILL depends on, processing millions of transactions and onboarding decisions for the small and medium-sized businesses that rely on BILL every day.

In this role, you will set the roadmap for how BILL ingests, structures, and acts on risk signals at scale. You will define the architecture of our data pipelines and third-party data integrations, partner directly with data engineers, data scientists, and security engineers to translate complex policy requirements into platform capabilities, and ensure the decisioning engine can grow with BILL as transaction volume, product lines, and regulatory obligations expand. Your work will sit at the center of every risk decision BILL makes, from the moment a new business applies to join the platform through every payment they process.

• Own the product vision, strategy, and roadmap for BILL's core risk decisioning and policy engine, enabling real-time, low-latency automated evaluations across fraud, credit, and compliance use cases.
• Define the technical architecture for internal APIs, platform services, and data pipelines that power risk evaluation, ensuring the platform scales reliably with BILL's growing transaction volume and product surface.
• Partner with data engineering to design and optimize data strategies across BILL's Data Lake and high-throughput data platforms, structuring data for advanced risk modeling and analytics at scale.
• Evaluate, integrate, and orchestrate third-party identity, financial, and alternative data sources, building a signal ecosystem that maximizes decision accuracy while managing cost, latency, and vendor risk.
• Serve as the translation layer between risk policy goals and deep engineering execution, working directly with data scientists, security engineers, and data architects to align technical implementation with business outcomes.
• Define and track platform-level success metrics including decisioning latency, signal coverage, model input quality, and platform uptime, using data to drive prioritization and surface tradeoffs to leadership.
• Identify and drive technical debt reduction, scalability investments, and architectural improvements that enable the risk platform to support new products, geographies, and regulatory requirements.
• Domain Architecture Leadership : Proven track record leading the technical strategy for mission-critical, high-throughput systems, specifically real-time decisioning and policy engines.
• Scale & Latency Performance : Extensive experience designing foundational infrastructure supporting high-volume financial processing ($350B+ in annual volume) under strict SLAs (sub-500ms response times).

• 8 or more years of technical platform / product management experience, with a track record of shipping scalable internal infrastructure: decisioning platforms, rules engines, orchestration layers, or high-throughput data pipelines in a fintech or payments environment.
• Deep technical fluency in data infrastructure, including hands-on experience defining requirements for Data Lakes, data warehouse architectures, and real-time or batch data processing systems at scale.
• Extensive experience evaluating and integrating third-party data APIs, including identity, financial, and alternative data providers, and buildin