Braviant Holdings - Senior Data Scientist (Credit Risk)
Requirements
• 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, Excel and experience with data visualization tools • Excellent knowledge in applied statistical methods and experience using various predictive machine learning techniques including: linear models, decision trees, boosting, and ensemble models • Knowledge of optimization, stochastic processes, experimental design, A/B testing and bootstrapping • Passion for keeping your skills up to date and exploring new methodologies • The ability to distill complex problems and analysis into a clear and concise narrative • Experience in subprime consumer lending, fintech, payments, or another regulated financial services technology environment. • Hands-on experience applying AI to credit risk management
Responsibilities
• 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 decision rules. • Analyze portfolio performance (FPD, delinquency, loss) to identify key drivers of deterioration and recommend targeted actions. • Evaluate tradeoffs between approval rate, loss, and profitability, 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/B 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, identifying drift, instability, or unintended impacts on portfolio outcomes. • Collaborate cross-functionally with other departments to ensure decisions align with business goals and risk appetite.
Benefits
• 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 • What it's like to work here: • We're about achieving results while having fun along the way. We believe in solving problems together and building on each other’s ideas. Our teams are comprised of smart, curious individuals and we encourage everyone to think like an owner, take initiative and drive their careers. Our broad roles provide tremendous opportunities for individuals to acquire new skills, gain exposure to all areas of the business, and quickly see their impact at Braviant. Want to learn more? Check us out on Glassdoor, BuiltIn and our Newsroom • We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. 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.
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