Billie

Behind every trustworthy transaction on Billie is a model that decided, in milliseconds, that it could be trusted. That's the work of our Decision Science group. Now we're looking for a Fraud Data Scientist (all genders) to help us stay ahead of it. You'll own the end-to-end modeling lifecycle, from hypothesis to production, building the models that decide how much fraud we stop and how many good customers we approve. What you'll be doing: - Designing and shipping anti-fraud models that model debtor behavior and catch emerging fraud patterns - Balancing precision and recall under severe class imbalance - weighing customer friction against real financial loss - Monitoring deployed models for drift and adversarial adaptation, retraining as fraud patterns shift If you've got a sharp quant background, thrive on solving high-stakes problems under real-time constraints, and want your models to directly protect Billie's bottom line, we'd love to hear from you. Apply here: https://lnkd.in/dtm7cbNQ #DataScience #FintechJobs #B2BPayments #MachineLearning #Hiring #Billie #FraudPrevention

In B2B payments, every credit decision carries weight. At Billie, our ability to say "yes" fast  comes down to the strength of our risk models. Our Credit Data Science team has spent years building the scorecards and decision logic that power responsible, scalable lending for B2B merchants. Now we're looking for a Lead Data Scientist (all genders) to own that domain end-to-end. You'll report directly to our VP of Data Science and take the lead on one of the KPIs that matters most to Billie's P&L - with real ownership, not just influence. What you'll be doing: - Owning Billie's credit risk modeling domain end-to-end, from PD/LGD/EAD models to real-time decision engine logic - Pushing our credit scoring beyond the conventional - bringing LLMs, RAG, and foundation models into production - Mentoring junior Data Scientists and shaping how credit risk thinking gets embedded across Engineering and Product If you've got deep credit domain expertise, love owning a roadmap, and want your models to directly move the needle on a fast-growing fintech's bottom line, let's talk. Apply here: https://lnkd.in/du9YdcPP #DataScience #FintechJobs #B2BPayments #MachineLearning #Hiring #Billie #CreditRisk

Fraud is rarely limited to the original loss. The bigger problem often is what follows after. 💡 European businesses are estimated to absorb around €3.90 in total costs for every €1 lost to fraud. In Germany, the figure is even higher with an average of €4.18 for every €1 of fraud. This shows that the damage does not stop at the transaction itself. It continues through investigation time, operational effort, lost goods, and pressure on customer trust. That’s why fraud has become more than a risk topic and needs to be understood as a structural margin issue. For exactly the same reason, fraud prevention should be looked at as part of commercial infrastructure instead of treating it as a business control function only. The better businesses understand where losses actually come from, the better they can decide where to tighten processes, where to reduce friction, and where to invest. 🔍 Our 2026 B2B Fraud Report looks at how fraud is evolving, where costs are rising, and why the real financial impact often goes far beyond the initial incident. Download the full report: https://lnkd.in/dTXK6zmP #B2BFinance #RiskManagement #Billie #FraudPrevention Sources:  1) LexisNexis Risk Solutions, LexisNexis® True Cost of Fraud™ Study – Europe, Middle East and Africa. Public study page and related press materials state that businesses in EMEA bear fraud costs equal to 3.90x the face value of fraudulent transactions. 2) LexisNexis Risk Solutions, Every Euro Lost to Fraud in Germany Costs Firms €4.18 According to LexisNexis True Cost of Fraud Study, April 17, 2024.

With Agentic Commerce on everyone’s lips, B2B checkout is increasingly becoming an infrastructure question on top of an UX one. As AI starts to shape more of the buying journey, speed, clarity, and reliability matter more than surface polish alone. Gartner expects AI agents to influence most B2B buying journeys by 2028, with more than $15 trillion in B2B spend moving through AI-agent-driven exchanges. And according to Forrester, nearly 95% of buyers expect to use generative AI to support decisions and purchases over the next 12 months. For commerce teams and online shops, that raises the bar. A checkout may look modern on the surface, but if it still depends on slow approvals, fragmented systems, or manual intervention, it becomes harder to compete in a more automated buying environment. Billie helps merchants bring real-time decisioning into the B2B payment flow, so digital transactions can move with less friction. The bigger question is whether your checkout is ready for how B2B buying is changing. Read the full article on Agentic Commerce here >> https://lnkd.in/dK4jeh95 #B2BTech #DigitalInfrastructure #Billie #FutureOfWork Sources:  AI agents and B2B buying by 2028 Gartner, Gartner Unveils Top Predictions for IT Organizations and Users in 2026 and Beyond, October 21, 2025. Buyers expecting to use generative AI in decisions and purchases Forrester, Forrester: The State Of Business Buying, 2024, December 4, 2024.

Order errors might seem to be an operations problem only. But they may actually do affect revenue, customer trust, and retention also. Despite automation being standard in day-to-day business routines by now, 33% of B2B online orders still contain errors. And 75% of B2B buyers say they would consider switching suppliers for a better online buying experience. A potential threat businesses should not underestimate. When payments, invoicing, and ERP workflows are not properly connected, the buying experience may look digital on the surface while teams actually still manage too much manually behind the scenes. Billie helps merchants reduce manual touchpoints across the buying experience and the post-purchase flow and create a more reliable experience for both finance teams and business buyers. If there is still friction in your flow, it is likely costing more than time. Explore Billie and learn more at billie.io/en. #B2BCommerce #FinTech #OperationalEfficiency #Billie #Payments Sources:  33% of B2B online orders contain errors Sana Commerce, Top trends and pain points for e-commerce buying in 2025 https://lnkd.in/djKff8Dn 75% of B2B buyers would consider switching suppliers for a better online buying experience Sana Commerce / Sapio Research, B2B Buyer Report 2025 https://lnkd.in/e5J62rC2

Berlin moves fast. Billie moved a little faster. ⚡ 👟Yesterday, the Billie team traded their keyboards for running shoes. And look how successful they were 👀! More than 1,020 teams took part in this year’s Berliner Firmenlauf and still our fastest Billie runners made it over the finish line in 12th place 🏁 💨🏆 A sudden thunderstorm and heavy rain right before the starting gun didn't slow us down. If anything, the downpour only fueled the Billies to push harder and embrace the challenge. ⛈️ Big shoutout to all colleagues that participated in the challenge and of course to all that cheered from the sidelines. And huge congratulations to all the other teams from the Berlin tech scene who joined us. The atmosphere was electric, and the competition was top-tier. We’re already looking forward to the next run. 👟 Fast on the track, fast at checkout—that’s just how we run. 🏁 #PersistTogether #BerlinFirmenlauf #OneTeam #Billie #CompanyCulture

Fraud in B2B commerce is becoming faster, more scalable, and more difficult to spot. As more of the buying journey moves online, the attack surface grows with it. At the same time, fraudsters are using AI to make false identities and impersonation attempts more convincing. Deepfake-related fraud attempts in financial services have risen sharply over the past three years. That changes what good fraud prevention looks like. Manual reviews and checks are often too slow for today’s fraud patterns and too disruptive for legitimate buyers. The more effective approach is to assess risk at the point of transaction, where identity, context, and payment signals can be evaluated in real time. Risk decisioning needs to move closer to checkout and become part of the payment infrastructure itself. Our latest report looks at how fraud is changing, why traditional controls are struggling to keep up, and what that means for B2B merchants selling at scale. Download the report: https://lnkd.in/dTXK6zmP #CyberSecurity #B2BPayments #Billie #RiskTech #Fraud Sources:  Signicat, Fraud attempts with deepfakes have increased by 2137% over the last three years, February 20, 2025. Billie, The Hidden Cost of Going Digital: Why Fraud Is Becoming the Critical Risk in B2B E-Commerce — especially the sections on AI-enabled fraud and payment infrastructure.

Scaling B2B wellness success with Apohem. 🌿 Apohem is now offering business customers a more flexible way to pay with Billie. As the fastest-growing player in the Swedish online pharmacy market, Apohem is known for its commitment to health and customer-centric innovation and focused on making access to essential products as smooth and reliable as possible. That expectation applies to business buying too. By working with Billie, Apohem is making it easier for business customers to purchase with greater flexibility while keeping the payment experience simple and digital. Learn more at billie.io #B2BPayments #HealthTech #Apohem #Billie #Ecommerce #Sweden

What is the state of fraud? We examined the top relevant insights, studies, and other research focusing on fraud in B2B and eCommerce. And what did we do with the finds? We compiled them into the B2B Fraud Report! What's inside: - Evolution of fraud: How has fraud developed recently and what does its growth trajectory look like?  - Common fraud patterns: Which tactics are fraudsters using the most? - AI in fraud: How has the democratization of AI impacted fraud AND fraud prevention? - Spotlight Europe: How does Europe perform compared to global fraud evolution? Get these and many more insights in the latest Billie report. 👉 Read the full report here: https://lnkd.in/d-2Fm25M #FraudPrevention #B2BPayments #Billie #RiskTech #Fraud

According to Gartner, 75% of B2B organisations will complete their highest-revenue deals through digital channels by 2028. What used to feel like a high-touch, rep-led process is increasingly happening online. And raises the bar for B2B checkouts. Larger orders need more than speed. They also need clarity, trust, and payment terms that fit how businesses actually buy. Billie helps merchants bring flexible B2B payments and trade credit into a digital-first buying experience. That means offering business buyers the flexibility they expect, without adding friction at checkout. Is your checkout ready for B2B? See how Billie supports high-value growth online at https://www.billie.io/en . #B2BPayments #FinTech #Billie #DigitalTransformation