Senior Data Scientist, Credit Risk

Braviant Holdings

Senior Data Scientist driving credit decisioning across loan lifecycle for fintech company. Developing predictive models and collaborating with cross-functional teams to optimize portfolio performance.

Posted 5/11/2026full-timeDallas • Texas • 🇺🇸 United StatesSeniorWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

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.

Requirements

What you’ll need

Degree in Data Science, Applied Mathematics, Statistics, Economics, Computer Science or a related field
5-7 years of professional experience in Data Science, Analytics or a related field within FinTech or online lending space.
Advanced proficiency in Python for programming, data analysis, and predictive modeling
Proficiency in SQL, Excel and experience with data visualization tools
Excellent knowledge in applied statistical methods and experience using various predictive machine learning techniques including: linear models, decision trees, boosting, and ensemble models
Knowledge of optimization, stochastic processes, experimental design, A/B testing and bootstrapping
Passion for keeping your skills up to date and exploring new methodologies
The ability to distill complex problems and analysis into a clear and concise narrative

Benefits

Comp & perks

Comprehensive healthcare including medical, dental, and vision coverage
Generous paid time off, including PTO, sick time, and 13 company holidays
401(k) with company contribution
Participation in annual discretionary bonus plan
Regular team and company gatherings

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

predictive modelingdata analysisPythonSQLExcelmachine learningA/B testingexperimental designoptimizationstatistical methods

Soft Skills

collaborationcommunicationproblem-solvinganalytical thinkingstrategic thinkingadaptabilityattention to detailnarrative distillationcontinuous improvementcross-functional teamwork