Braviant
FinTech
SeniorDataScientist(CreditRisk)
Neural analysis suggests this role is
optimal for Senior candidates.
“Senior Data Scientist (Credit Risk) at Braviant. Skills: predictive models, credit lifecycle, approval quality, loss performance, credit strategy, portfolio performance, fraud risk, credit risk, decisioning logic. Develop and deploy predictive models across the credit lifecycle (acquisition, risk, and collections) with a focus on improving approval quality and loss performance. Translate model outputs and analysis into actionable credit strategy, including approval cutoffs, segmentation, and dec”
What You'll Achieve.
improve approval quality; reduce early loss; drive sustainable growth; improve approval quality and loss performance; optimize portfolio performance; improving early default performance and reducing losses; drive continuous improvement; ensure decisions align with business goals and risk appetite
Industry & Context.
distill complex problems and analysis into a clear and concise narrative
4-day in-office requirement and 1-day work from home (Addison, TX-based)
What They're Looking For.
Must Have
Degree in Data Science, Applied Mathematics, Statistics, Economics, Computer Science or a related field, 5-7 years of professional experience in Data Science, Analytics or a related field within FinTech or online lending space, Advanced proficiency in Python for programming, data analysis, and predictive modeling, Proficiency in SQL, Proficiency in Excel, Experience with data visualization tools, Excellent knowledge in applied statistical methods, Experience using various predictive machine learning techniques including: linear models, decision trees, boosting, and ensemble models, Knowledge of optimization, Knowledge of stochastic processes, Knowledge of experimental design, Knowledge of A testing, Knowledge of bootstrapping
Nice to Have
Experience in subprime consumer lending, fintech, payments, or another regulated financial services technology environment, Hands-on experience applying AI to credit risk management
What You'll Do.
Develop and deploy predictive models across the credit lifecycle (acquisition
and collections) with a focus on improving approval quality and loss performance
Translate model outputs and analysis into actionable credit strategy
including approval cutoffs
Analyze portfolio performance (FPD
loss) to identify key drivers of deterioration and recommend targeted actions
Evaluate tradeoffs between approval rate
and recommend strategies to optimize portfolio performance
Distinguish fraud risk vs credit risk
improving early default performance and reducing losses
Design and execute experiments (A tests
champion/challenger frameworks) to evaluate strategies and drive continuous improvement
Work with Product and Engineering to implement decisioning logic into production systems and ensure accurate execution
Monitor model and strategy performance over time
or unintended impacts on portfolio outcomes
Collaborate cross-functionally with other departments to ensure decisions align with business goals and risk appetite
How You'll Work.
Team & Collaboration
partner closely with Credit, Fraud, Servicing, Product, and Engineering; Collaborate cross-functionally with other departments; Work with Product and Engineering to implement decisioning logic into production systems; solving problems together; building on each other’s ideas
Communication Scope
distill complex problems and analysis into a clear and concise narrative
Full Job Description
## Description At Braviant, we believe in hiring great talent and offering them the flexibility to achieve great results unbounded by geography. Braviant is offering a fully remote option for anyone in the U.S. who wants to join our team and help us grow. We also have an office space in the heart of downtown Chicago for those who prefer to get out of the house and collaborate with some colleagues in person. Who we are: Braviant is a leading provider of tech-enabled credit products that combines breakthrough technology and cutting-edge machine learning to transform how people access credit online. Our next-generation approach to lending reduces credit barriers and creates a Path to Prime to help millions of underbanked consumers build credit history, reduce their cost of borrowing, and take control of their personal finances. Braviant has been named multiple times to the Inc. 5000 list of fastest growing private companies and has been recognized as a Best Place to Work by Crain’s Chicago, BuiltIn Chicago and American Banker. We are building and scaling a high-performance consumer lending platform and are looking for a Senior Data Scientist to drive credit decisioning across the loan lifecycle. This role sits at the intersection of credit strategy, fraud, and analytics, directly impacting approval strategy, loss performance, and portfolio profitability. You will build and deploy models that inform key decisions around who we approve, how we price risk, and how we manage portfolio performance. This is a hands-on, high-impact role suited for someone who is business-oriented, data-driven, and biased toward action, not just model development. You will partner closely with Credit, Fraud, Servicing, Product, and Engineering to translate data into clear, actionable decisions that improve approval quality, reduce early loss, and drive sustainable growth. This role is Addison, TX-based with a 4-day in-office requirement and 1-day work from home. ## What You'll Be Doing Deve
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