Braviant Holdings

Risk

• Analyze application and early performance data to identify fraud patterns, including synthetic identity, first-party fraud, and credit abuse.
• Develop and implement fraud detection strategies, including rules, thresholds, and decisioning logic.
• Monitor early performance (e.g., FPD, zero-pay accounts) to identify potential fraud-driven losses.
• Distinguish fraud risk vs credit risk, improving approval quality and reducing early loss.
• Evaluate and optimize third-party fraud tools and data sources (e.g., identity verification, device intelligence, consortium data).
• Design and execute tests to evaluate fraud strategies and improve detection performance.
• Work with Product and Engineering to implement fraud rules and ensure accurate execution in production systems.
• Investigate emerging fraud trends and proactively recommend changes to controls and policies.
• Collaborate with Operations or servicing teams to improve fraud identification post-origination.
• Collaborate cross-functionally with other departments to ensure decisions align with business goals and risk appetite.

Senior Fraud Risk Analyst

Data Scientist

• 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.

Senior Data Scientist, Credit Risk

Full-stack Engineer

• Serve as Braviant’s primary software architect — owning system design, technology choices, and engineering standards across all application layers.
• Assess the current architecture (30+ microservices, Java/Spring Boot back end, Angular front end, AWS) and develop a pragmatic rationalization roadmap to reduce complexity and improve deployability.
• Stay close to the codebase: lead architecture reviews, conduct meaningful code reviews, and prototype solutions to de-risk key technical decisions.
• Own high-availability design for loan origination, payment processing, and transaction workflows, targeting 99.9%+ uptime SLAs.
• Define and evolve CI/CD pipeline strategy, release practices, and engineering quality standards.
• Lead the transition to an AI-native development model — embedding AI-assisted development tools (e.g. GitHub Copilot, Cursor, agentic coding frameworks) into how the team designs, builds, tests, and ships software every day.
• Partner with the Head of AI & Automation to identify where AI-generated code, automated testing, and LLM-powered tooling can meaningfully accelerate delivery and reduce QA burden.
• Champion engineering practices that make AI tooling safe and auditable in a regulated consumer lending environment.
• Own end-to-end software development for consumer-facing and internal applications — from requirements through deployment and support.
• Manage the full stack: Angular front end, Java/Spring Boot microservices, AWS infrastructure (EC2, S3, SQS, CloudWatch, CodeBuild), and database layers.
• Own the QA function within the engineering team; define the right balance of automated testing, manual QA, and release gates.
• Champion security-by-design and compliance standards appropriate to a consumer lending environment (PCI, state lending regulations, CFPB-related requirements).
• Lead, develop, and retain a team of 6–8 full-stack engineers and QA professionals; set performance standards, provide mentorship, and build a culture of craftsmanship and accountability.
• Hire and grow the Addison-based engineering team — you will be the anchor for that office’s technical culture.
• Manage the engineering budget, including capex/opex planning, vendor relationships, and tooling decisions.
• Partner with business stakeholders and executive leadership to translate product and operational priorities into engineering plans; represent engineering at the leadership level.

Head of Software Engineering

Operations

• Execute on the originations roadmap across direct mail, digital, and partner/affiliate channels — tracking progress, flagging blockers, and keeping initiatives moving
• Build business cases to support channel expansion & testing
• Define and track OKRs/KPIs for originations performance; surface actionable insights on a regular cadence
• Own funnel and conversion reporting end-to-end — build, maintain, and improve dashboards that drive daily decision-making
• Identify operational bottlenecks across the origination funnel and design scalable process improvements
• Create and maintain process documentation and SOPs that help the team move faster and more consistently
• Translate analytical findings into clear recommendations and communicate them effectively to both technical and non-technical stakeholders
• Translate business needs and originations priorities into clear, structured requirements for the engineering team - Write requirements, define acceptance criteria, and document workflows to ensure engineering builds the right things in the right order
• Own UAT (user acceptance testing) for originations-related releases — validating that what ships matches what was requested, support launch planning and go-to-market execution for initiatives

Senior Fraud Risk Analyst

Senior Data Scientist, Credit Risk

Head of Software Engineering

Strategy & Operations Analyst