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 achieve financial success.

The Role:

We are looking for a talented Senior Manager for our Portfolio Optimization department to lead a team focused on underwriting, fraud prevention, loan offers / pricing, loss forecasting and portfolio management for Braviant’s consumer lending businesses. The right person for this role will have a blend of technical and leadership skills, a strong background in data and analytics with a bias toward continuous testing and optimization, and relevant experience within the consumer lending industry.

What you'll be doing:

• You'll lead a team of business analysts, predictive modelers and strategists responsible for the development, validation, maintenance, optimization, and monitoring of decision models and strategies used for underwriting and verification decisions
• You'll execute on a disciplined growth strategy that properly balances short-term vs. long-term profitability and appropriately mitigates credit risk
• You'll implement sampling / testing procedures to enable long-term optimization of approval decisions, offer amounts, pricing and loan terms for different customer segments
• You'll develop unit-level profitability analysis and loan loss forecasting to track and optimize performance of various portfolio segments such as acquisition channel, customer type (new vs. previous), geography, and risk tier
• You'll partner with Finance to establish target KPIs (e.g., approval rates, funding rates, and loan terms), forecast loan losses, and explain any variance in actual vs. projected results
• You'll collaborate with Product and Business Intelligence teams to define and monitor critical underwriting and portfolio KPIs
• You'll collaborate with Product and Technology teams to build on the existing Analytics infrastructure to support continuous testing / optimization and streamlined implementation of new underwriting models and strategies
• You'll lead the development of fraud mitigation models, tools and strategies to mitigate losses due to identity theft, synthetic identities, and other types of fraud attacks
• You'll manage existing Analytics vendors (i.e. credit reporting agencies and other 3rd party data providers) and proactively identify and test new data sources to further enhance decisioning
• You'll establish and maintain Credit Policy and Underwriting Guidelines documentation for each of Braviant’s products and business lines
• You'll attract, hire, manage and mentor top tier Credit Risk and Portfolio Management professionals

What you'll bring:

• 5+ years of experience leading a team of business analysts / predictive modelers in a fast-paced environment; strong preference for 3+ years of unsecured consumer lending experience
• Strong problem solving and critical thinking skills
• An undergraduate degree in an analytical field. Advanced degrees (including MBAs) preferred, but not mandatory
• Knowledge of best practices in Credit Risk, Underwriting, Loss Forecasting and Portfolio Management for unsecured consumer lending products
• Ability to collaborate with cross-functional teams to solve complex problems and develop pragmatic solutions under tight deadlines
• Familiarity with (and ideally proficiency in) SQL, R and Python
• Relationship builder who can establish trust, confidence and credibility with peers, senior leaders and direct reports

equally important....

• You embody Braviant’s core values, especially: you think like an owner and are ready to innovate and iterate
• You can effectively enable your team to consistently deliver results with a sense of urgency and coaches them to work effectively across teams
• You possess an advanced problem-solving capability and help the team make sound decisions
• You believe in teamwork and are not afraid of rolling up your sleeves 
• You’re comfortable with the unknown: startup life allows for a broad, wide ranging role, but also means priorities and work can change quickly. You should be excited about all this entails!

What it's like to work here:

We're more than just great snacks, unique outings, a cool office, or swag. 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.