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:

The Senior Analytics Manager will head the Portfolio Optimization. This team is responsible for the research, design, creation implementation, and management of the machine learning models and strategies which power Braviant's underwriting, fraud prevention, loan offers, pricing, loss forecasting and portfolio management for our consumer lending businesses. This role reports directly to the Chief Risk and Analytics Officer and has the opportunity for a wide-ranging impact on the strategic direction of the business.

Who you are:

• You enjoy the challenge of translating business strategy into analytical solutions in a data driven environment, and then applying those learning to drive future business strategy
• You are a strong predictive modeler who is excited by owning the entire life cycle of the tools which make business critical decisions
• You are an analytical thinker who understands that a good predictive model will never lead to great business results without an equally strong strategy, and you take that art very seriously
• You are an experienced manager with a passion for developing your team
• You love to dig into the data and find the hidden levers that really drive the numbers which propel the business
• You are a relationship builder who actively establishes trust, confidence and credibility with peers, senior leaders and direct reports
• You take pride in the fruits of your labor and think in life cycles not projects

What you'll be doing:

• Providing credit opportunity to serve the needs of the under banked
• Continuous testing and optimizing underwriting models and strategies
• Executing on a disciplined growth strategy that properly balances short-term vs. long-term profitability while mitigating risk
• Developing unit-level profitability analysis and loan loss forecasting to track and optimize performance across our portfolio segments
• Collaborating across the organization to establish and monitor critical KPI’s, support infrastructure and product development, and forecast customer level performance
• Maintaining the quality of our tools, machine learning models and documentation and ensure we have robust Credit Policies, Model Governance, and Underwriting Guidelines
• Researching strategies, best practices, and evaluating third party data products and services to ensure Braviant’s analytics continue to be our competitive advantage
• Monitoring fraud activity and recommend necessary operational and technical solutions
• Building and leading the team that accomplishes the above goals through machine learning model, tool and strategy creation and implementation

What you'll bring:

• Master's degree in Computer Science, Data Science, Applied Mathematics, Statistics, Economics, another quantitative field or comparable experience
• 3+ years of experience leading and developing a team of predictive modelers / analytics professionals with a results focused approach
• 7+ years of professional experience in a heavily analytical role
• Expert proficiency in languages used for data manipulation and statistical analysis e.g. R/Python/SQL
• Hands-on experience building creative applications of predictive modeling techniques including decision trees, linear and non-linear modeling, boosting, ensemble models, stacked generalization and a strong desire to keep skills up to date and explore new methodologies over time
• Knowledge of optimization, stochastic processes, experiment design and analysis

Bonus Points:

• 2+ years of unsecured consumer lending experience
• Knowledge of best practices in Credit Risk, Underwriting, Loss Forecasting and Portfolio Management for unsecured consumer lending products
• You understand when spend the extra time to automate the boring stuff after you have found the elegant solution
• 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 are 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.