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Credit Risk Modeler

| Chicago
Who We Are:
Braviant Holdings is a leading provider of analytics and technology-driven alternative financing solutions for consumers. We currently operate two brands: Balance Credit and Chorus Credit.
With an office in downtown Chicago, we are growing rapidly and looking for smart, passionate people to help us develop into a market leader in the fast-growing fintech space. Our industry is anticipated to grow up to 10x in the next 10 years. Come join us as we work together to streamline the borrowing process and transform how people access credit online.
The Role:
Our analytics team in Chicago is looking for a Credit Risk Modeler who will use advanced modeling techniques to build cutting edge predictive models that will help us manage risk, pricing and other aspects of our rapidly growing lending business. We are seeking a hands-on individual with strong technical skills who enjoys analyzing large data sets to solve complex problems.

Primary Responsibilities

  • Develop, test, and enhance a broad variety of predictive models that will be used across all aspects of the customer life cycle including new customer acquisition, underwriting, loan offers, collections, retention and profitability analysis
  • Collaborate with peers from other teams to create strategies for implementation of predictive models such as selection criteria for direct mail offers, approve vs. decline cutoffs and verification requirements for various customer segments, and risk-based loan offer terms (approval amount, rate and duration)
  • Design multivariate tests to ensure continuous optimization of all aspects of the customer lifecycle
  • Complete ad hoc analysis as needed to help management understand and interpret business results
  • Stay up to date with tools, trends, and technologies in the FinTech space

Requirements

  • Bachelor's degree required
  • Advanced degree in quantitative discipline is a plus (e.g., mathematics, statistics, operations research, quantitative finance, physics, engineering, computer science, etc.)
  • 3+ years relevant work experience with a financial services company is preferred
  • Familiarity with (and ideally proficiency in) SQL, R and Python· Ability to thrive in startup environment with heavy workload, competing priorities, and minimal structure

Looking for perks?• 3% 401K employer contribution that is immediately vested• Health benefits? We’ve got you fully covered.• Flexible work schedule with results-based culture• Generous PTO• Annual professional development allowance • Fully stocked kitchen• Casual dress code• Team building events and happy hours• Significant career upside as our business grows

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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
    • JavaLanguages
    • JavascriptLanguages
    • PythonLanguages
    • RLanguages
    • SqlLanguages
    • jQueryLibraries
    • Twitter BootstrapLibraries
    • AngularJSFrameworks
    • Node.jsFrameworks
    • SpringFrameworks
    • MySQLDatabases
    • PostgreSQLDatabases
    • Google AnalyticsAnalytics
    • LookerAnalytics
    • IllustratorDesign
    • PhotoshopDesign
    • InDesignDesign
    • PowerpointDesign
    • WebflowDesign
    • ConfluenceManagement
    • JIRAManagement
    • IBM Watson/SilverpopEmail

Location

Our company is located in the heart of the Loop with great access to public transportation (both Metra & CTA), coffee shops, and restaurants.

An Insider's view of Braviant Holdings

How would you describe the company’s work-life balance?

This is one of the things that I really appreciate here at Braviant! I feel like it's encouraged to have a healthy work-life balance. People respect the fact that you have a life outside the office and if something comes up, they are super flexible with you to take care of it.

Debi G.

Marketing Associate

How do you collaborate with other teams in the company?

We have a very open, small office that makes cross-team collaboration easy. The simplest way is to walk across the room and have a brief chat! No matter how people reach out, though, direct communication between teams is the norm -- no routing through managers or a complicated bureaucracy.

Dan B.

Senior Data Engineer

What does career growth look like on your team?

At Braviant, career development is what you make of it. There's plenty of opportunities and the sky is the limit!

Jen C.

IT Operations Manager

How do your team's ideas influence the company's direction?

As a leader, I strongly believe that it's not my job to come up with all the ideas - it's my job to foster an engaging, collaborative environment where every single person on the team has a voice and can contribute to the company's strategy and road map.

Stephanie K.

CEO

How do you collaborate with other teams in the company?

We're a small group, so collaboration is really just a matter of walking over to whomever you need to talk to and figuring things out. Everyone is willing to help because we're all focused on the same goals.

Jeff C.

Chief Architect

What are Braviant Holdings Perks + Benefits

Braviant Holdings Benefits Overview

Though still a startup, our benefits rival those of larger, more mature organizations. Employees participate in focus groups to discuss what they like most about working at Braviant and what we can do better. We also survey and vote on key culture initiatives such as what our company values should be or which new benefits we should offer.

Based on this feedback, we recently enhanced our employer contribution to cover 100% of employee healthcare and disability costs. Other enhancements include a new wellness program and a professional development fund to support employees who wish to attend external conferences or workshops. In order to support new parents, we've introduced an enhanced parental leave policy that includes a gradual return to work with a reduced schedule in the weeks immediately following leave. We also offer leadership development training to equip our people managers with the right tools to drive engagement and results on their teams. At our core, Braviant recognizes that an individual's happiness contributes to the team's overall health, so we listen to employees and strive to provide a balanced environment for learning, opportunity, and fun!

Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Braviant's Flexible Spending Account (FSA) helps employees cover out-of-pocket medical expenses with pre-tax contributions of up to $2,650 annually.
Disability Insurance
Braviant pays for 100% of the premiums for both Short Term and Long Term Disability.
Dental Benefits
Braviant pays for 100% of the premiums for employees dental insurance.
Vision Benefits
Braviant pays for 100% of the premiums for employees vision insurance.
Health Insurance Benefits
Braviant pays for 100% of the premiums for employees medical coverage. We offer a variety of plans with excellent coverage and affordable deductibles.
Life Insurance
All Braviant employees are automatically enrolled in a life insurance policy of $200,000.
Wellness Programs
We offer a wellness program that includes free wellness classes (yoga, pilates, etc) onsite and team wellness challenges (increase water intake, etc) in the office.
Onsite Gym
There is a gym in our office building, and Braviant subsidizes the monthly gym membership.
Retirement & Stock Options Benefits
401(K)
Braviant employees can begin to contribute to their 401K at 90 days of employment and receive 3% employer contributions (regardless of individual contribution) which is vested immediately.
401(K) Matching
Braviant doesn't match contributions, we automatically contribute 3%, which is vested immediately!
Company Equity
Performance Bonus
Child Care & Parental Leave Benefits
Generous Parental Leave
We offer 4 weeks of parental leave benefits to both part-time and full-time employees and a "reduced return to work schedule" to caregivers allowing employees 3-day work weeks following return.
Flexible Work Schedule
Braviant is a results-driven organization with flexibility to employees as needed and earned.
Family Medical Leave
Braviant offers up to 12 weeks of unpaid, job-protected leave per year, as well as maintained health benefits, for any employee eligible under the Family and Medical Leave Act (FMLA).
Vacation & Time Off Benefits
Generous PTO
Braviant's policy allows employees to continue to earn more PTO through tenure and promotion.
Paid Volunteer Time
Braviant encourages employees to give back through participating in a company wide volunteer day where the team can spend time together
Paid Holidays
Braviant offers employee paid time off to observe all major holidays, as well as one floating holiday to be used based on individual observances!
Paid Sick Days
Braviant offers paid wellness days for all employees to use as unplanned personal time off or sick time.
Perks & Discounts
Beer on Tap
While our beer isn't technically "on tap" we do enjoy weekly delivery of local/craft brews and wine for all to enjoy.
Casual Dress
Braviant's every day casual dress code includes jeans, t-shirts and sandals (just ask Bob Sides, our CTO, who you'll see in flip-flips from April-Sept!)
Commuter Benefits
Braviant offers pre-tax commuter benefits for all employees.
Company Outings
We offer so many! Monthly happy hours (that includes team trivia nights, etc.) and as well as quarterly corporate outings (tiki boat tour, baseball games) and an annual holiday party (with plus ones!)
Game Room
We have a ton of games in the office - from a foosball table, to bags, poker, card games, board games and more!
Stocked Kitchen
Too many to list! Here are some favs: coffee (iced and hot), LaCroix, soda, chips, hummus, guac, cheese & crackers, nuts, bars, fresh fruit and veggies, bagels, cereal, candy, and DOVE ICE CREAM BARS
Happy Hours
Braviant hosts monthly happy hours with catered food, plenty of beer/wine, often with additional games/themes like trivia, bags tournaments, fantasy drafts, white elephant gift exchange & potlucks!
Fitness Subsidies
Braviant pays for a portion of the in-building gym as well as a discounted membership through Chicago Athletic Clubs.
Professional Development Benefits
Job Training & Conferences
Braviant has an internal 4-week leadership training program for all of our people managers and provides opportunities for all employees to attend conferences and trainings.
Tuition Reimbursement
Braviant's professional development perk allows employees the flexibility to attend conferences and webinars, external seminars and workshops, and any other professional development of interest.

Additional Perks + Benefits

We strive to give our employees what they want. Whether that is stocking a specific brand of chips, saying yes to attend trainings or conferences, creating an in-office data science library, giving flexibility when returning to work post-baby--we want to make sure that our team's unique needs are met so they can bring their best selves to work.

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