Senior Data Scientist (Credit Risk)
Braviant Holdings · Dallas, TX
Extracted from the posting
Senior Data Scientist on the Credit Risk team at Braviant, reporting to the Head of Credit, based in Addison, TX with 5 days/week in-office. The role builds and deploys predictive credit, risk and collections models, analyzes portfolio performance (FPD, delinquency, loss), and designs A/B tests and champion/challenger experiments. Stack includes Python, SQL, Excel and data visualization tools, with statistical and ML methods such as linear models, decision trees, boosting and ensembles.
Title: Senior Data Scientist
Function: Credit Risk
Reports to: Head of Credit
Level: Mid-Level / Senior
Location: Addison, TX (5 days/week in-office)
Please note: This position is open to candidates within commuting distance to the DFW metro area only. Applicants must reside in Texas and be authorized to work in the United States. Applications from candidates outside of Texas will not be considered at this time.
Who We Are
About the Role
What You'll Be Doing
- 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.
What You Will Bring
Benefits & Perks
Braviant is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, marital status, veteran status, disability status, or any other characteristic protected by applicable law.
