Braviant Holdings
Chicago
11-50 employees
We combine breakthrough technology and machine learning to empower consumers with better online credit solutions.
Prior Listings
Lead Credit Risk Analyst
Lead Credit Risk Analyst
This job is no longer open
All locations
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.
$113,000 - $138,000 a year
The Role:
Our analytics team is looking for a Lead Credit Risk Analyst to drive the credit strategies for our Consumer Lending Products. This role will be instrumental in initiating, analyzing, implementing and monitoring new analytics strategies to drive profitable growth. We are seeking a lead analyst with strong technical and critical thinking skills who enjoys solving complex business problems through developing analytical insights. This is a fast-paced and constantly evolving role with significant impact on the business.
Key Responsibilities:
· Monitor both digital leads and portfolio performance through appropriate daily, weekly, and monthly reporting, including the development of any new reporting based on gaps or new product offerings.
· For new customers, create credit strategies to optimize acquisition costs, approve vs. decline cutoffs, verification requirements and loan offer terms.
· For existing customers, customize risk-based loan offer terms (approval amount, pricing, and term) based on conversion and defaults; develop retention strategies and improve lifetime customer value
· Collaborate with the Data Science team to define requirements and use-cases for solutions that can rank order customers by attributes such as likelihood to default, accept an offer, and overall profitability.
· Analyze and identify opportunities to further the execution of our disciplined growth strategy that balances short-term vs. long-term profitability and appropriately mitigate credit risk.
· Design multivariate tests to ensure continuous optimization of our Leads and Portfolio strategies.
· Collaborate with the Product team to document the requirements for any new strategies or pricing recommendations to take an idea from conception through deployment and monitoring.
Role Requirements
1-2 years of relevant work experience in an analytical role.
· Strong data analysis skills using Python, SQL, and Excel with pivot tables
· Bachelor’s Degree in an analytical field of study: mathematics, statistics, physics, engineering, computer science, etc.
· Strong analytical and critical thinking skills and comfort with making data driven decisions
· Ability to organize and manage multiple priorities with a sense of urgency
· Strong attention to details
· Comfortable with ambiguity and possess a 'figure it out & get it done' mentality
· Great verbal and writing communication skills
· Highly self-motivated in a fully remote working environment
What makes you stand out:
· Experience with internet-based financial services experience.
· A Master’s degree in an analytical field of study.
· Your ability to adapt to changes quickly. Startup life allows for a broad, wide-ranging role, but also means priorities and work can change quickly. You should be excited about all this entails!
Join Our Team at Braviant: Innovate, Collaborate, and Grow
At Braviant, we’re about achieving remarkable results while embracing an exciting and dynamic work environment. Our core values shape everything we do, and we’re looking for individuals who share our commitment to these principles:
Think Like an Owner: We encourage everyone to take initiative, make impactful decisions, and drive their careers forward. Our roles provide tremendous opportunities for you to acquire new skills, gain exposure to all areas of the business, and quickly see your impact.
Solve Problems Together: Collaboration is at the heart of our success. We believe in building on each other’s ideas and working as a team to overcome challenges. Our teams are comprised of smart, curious individuals who thrive in a supportive environment.
Embrace Innovation: At Braviant, innovation is a key driver. We foster an environment where creativity and new ideas are welcomed. You’ll have the chance to contribute to innovative projects and help shape the future of our company.
Commit to Excellence: We strive for excellence in everything we do. By maintaining high standards and pushing the boundaries, we ensure our solutions are top-notch and our clients are satisfied.
Act with Integrity: Integrity is fundamental to our culture. We believe in doing the right thing, being honest, and transparent in our actions. Our commitment to integrity builds trust with our customers and each other.
Want to learn more? Check us out on Glassdoor, BuiltIn and our Newsroom
This job is no longer open