Senior Credit Risk Analyst

Senior Credit Risk AnalystFunction: Credit RiskReports To: Head of CreditLevel: Mid-Level / SeniorLocation: Addison, TX (5 days/week in-office)This position is open to candidates within commuting distance to the DFW metro area only. Applicants must reside in Texas and be authorized to work in the United States. Applications from candidates outside of Texas will not be considered at this time. While we appreciate interest from all applicants, Braviant Holdings is unable to sponsor visas at this time.Who We AreFounded in 2015 and based in Chicago, IL, privately held Braviant Holdings, LLC is a leading provider of tech-enabled consumer credit products that combine 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®, helping 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.We are a lean team of approximately 40 people. Everyone rolls up their sleeves here, including this role.Position SummaryThe Senior Credit Risk Analyst supports the full credit risk lifecycle at Braviant, from originations strategy and underwriting analytics to portfolio monitoring and loss forecasting. This is a highly technical, execution-focused role for someone who is equally comfortable writing production SQL/Python, building a segmentation strategy, and presenting findings to senior leadership. You will work directly with the Head of Credit to develop and refine the risk strategies that drive portfolio performance across our direct mail and digital lending channels.This is a hands-on, high-impact role suited for someone who is analytical, detail-oriented, and biased toward action, not just case review.What You'll Be DoingTrack and analyze key portfolio metrics including FPD, GNS, delinquency roll rates, and D2M performance across origination cohorts and risk segmentsBuild and maintain dashboards and recurring reporting that surface early warning signals and portfolio trendsConduct vintage analysis, loss curve development, and cohort-level performance reviews to support monthly and quarterly business reviewsSupport the design and evaluation of originations strategies, score cutoffs, and underwriting policy changes across DM and digital channelsAnalyze the performance impact of ongoing A/B tests and pricing experiments, translating results into actionable recommendationsWhat You Will BringRequired3 to 5 years of experience in credit risk, consumer lending analytics, or a closely related quantitative roleStrong SQL skills; you write complex queries without a templateStrong experience with Python for data analysis and modelingWorking knowledge of credit risk concepts: scorecards, vintage analysis, delinquency curves, loss forecastingAbility to communicate analytical findings clearly to non-technical stakeholdersPreferredExperience in subprime consumer lending, fintech, payments, or another regulated financial services technology environment.Familiarity with credit decisioning, underwriting strategy, or fraud detectionExperience working in a regulated financial services environmentExposure to A/B testing, experimentation frameworks, or champion/challenger strategiesBenefits & PerksCompensation at Braviant is competitive and commensurate with experience. Details will be discussed with qualified candidates during the interview process. In addition, we provide:Comprehensive healthcare including medical, dental, and vision coverageGenerous paid time off, including PTO, sick time, and 13 company holidays401(k) with company contributionParticipation in annual discretionary bonus planRegular team and company gatheringsBraviant is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, marital status, veteran status, disability status, or any other characteristic protected by applicable law.