Senior Credit Risk Analyst

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

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