Location: Remote

Employment Type: Full Time

Team: Analytics

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.

The Role:

Our Analytics team is looking for a Lead Credit Risk Analyst to drive the credit and marketing 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.

What you'll be doing:

• Monitor both digital leads and portfolio marketing channel performance through appropriate daily, weekly, and monthly reporting, including the development of any new reporting based on gaps or new product offerings
• Create strategies for implementation of predictive models such as targeting criteria for Lead provider offers, approve vs. decline cutoffs, and verification requirements for various customer segments
• 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 marketing 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

What you'll bring:

• 5+ years of relevant work experience in an analytical role
• Strong data analysis skills using SQL, Python and Excel with pivot tables.
• Bachelor’s Degree in an analytical field of study: mathematics, statistics, physics, engineering, computer science, etc.
• Exceptional analytical and critical thinking skills and comfort with making data-driven decisions
• Comfortable with ambiguity and possess a ‘figure it out & get it done’ mentality
• Ability to organize and manage multiple priorities with a sense of urgency
• Great verbal and writing communication skills
• Highly self-motivated in a fully remote working environment

What makes you stand out:

• Prior experience working in online consumer lending industry
• Master’s degree in an analytical field of study
• Deep understanding of statistics & data science

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](https://www.glassdoor.com/Overview/Working-at-Braviant-Holdings- EI_IE1410816.11,28.htm), BuiltIn and our Newsroom