Senior Credit Risk Analyst

Title: Senior Credit Risk Analyst
Function: Credit Risk
Reports to: Head of Credit
Level: Mid-Level / Senior
Location: Addison, TX (5 days/week in-office)

Please note: 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 Are

Founded 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 Summary

The 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 Doing

• Track and analyze key portfolio metrics including FPD, GNS, delinquency roll rates, and D2M performance across origination cohorts and risk segments
• Build and maintain dashboards and recurring reporting that surface early warning signals and portfolio trends
• Conduct vintage analysis, loss curve development, and cohort-level performance reviews to support monthly and quarterly business reviews
• Support the design and evaluation of originations strategies, score cutoffs, and underwriting policy changes across DM and digital channels
• Analyze the performance impact of ongoing A/B tests and pricing experiments, translating results into actionable recommendations

What You Will Bring

Required

• 3 to 5 years of experience in credit risk, consumer lending analytics, or a closely related quantitative role
• Strong SQL skills; you write complex queries without a template
• Strong experience with Python for data analysis and modeling
• Working knowledge of credit risk concepts: scorecards, vintage analysis, delinquency curves, loss forecasting
• Ability to communicate analytical findings clearly to non-technical stakeholders

Preferred

• Experience in subprime consumer lending, fintech, payments, or another regulated financial services technology environment.
• Familiarity with credit decisioning, underwriting strategy, or fraud detection
• Experience working in a regulated financial services environment
• Exposure to A/B testing, experimentation frameworks, or champion/challenger strategies
• Hands-on experience building with AI-native development tools or frameworks (GitHub Copilot, Cursor, agentic coding pipelines, LLM-assisted test generation).
• Familiarity with MCP integrations, agentic AI architectures, or building internal developer productivity platforms.

Benefits & Perks

Compensation 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 coverage
• Generous paid time off, including PTO, sick time, and 13 company holidays
• 401(k) with company contribution
• Participation in annual discretionary bonus plan
• Regular team and company gatherings

Braviant 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.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.