POSITION SUMMARY
We are building and scaling a high-performance consumer lending platform and are looking for a Fraud Risk Analyst to help protect the business from identity fraud, first-party fraud, and credit abuse.
This role sits at the intersection of fraud, credit, and analytics, and will directly impact early loss performance and portfolio quality.
You will be responsible for identifying fraud patterns, building detection strategies, and implementing controls that prevent bad actors from entering the portfolio.
This is a hands-on, high-impact role suited for someone who is analytical, detail-oriented, and biased toward action, not just case review.
You will work closely with Credit, Product, Operations and Engineering to ensure fraud risk is properly identified and separated from credit risk in decisioning.
This role is Addison, TX-based with a 5-day in-office requirement.
WHAT YOU’LL BE DOING
- 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.
WHAT YOU’LL BRING
Required
- Degree in Data Science, Applied Mathematics, Statistics, Economics, Computer Science or a related field
- 4–6 years of experience in fraud, risk, or analytics, preferably in fintech, lending, or financial services
- Strong analytical skills with experience using SQL, Python, Excel, or similar tools to analyze large datasets
- Understanding of key fraud types, including synthetic identity and first-party fraud and familiarity with fraud tools (i.e. identity verification, device fingerprinting, consortium data)
- Experience identifying fraud patterns or working with fraud detection strategies (i.e. credit washing etc.)
- Ability to translate analysis into clear actions (rules, controls, strategy changes) and exposure to A/B testing, experimentation frameworks, or champion/challenger strategies
- 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
Preferred
- Experience in subprime consumer lending, fintech, payments, or another regulated financial services technology environment.
- Hands-on experience applying AI to fraud management
BENEFITS & PERKS
Compensation at Braviant is competitive and commensurate with experience. Details will be discussed with qualified candidates during the interview process. In addition, we provide:
- 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
Skills Required
- Degree in Data Science, Applied Mathematics, Statistics, Economics, Computer Science or a related field
- 4-6 years of experience in fraud, risk, or analytics, preferably in fintech, lending, or financial services
- Strong analytical skills with experience using SQL, Python, Excel, or similar tools to analyze large datasets
- Understanding of key fraud types, including synthetic identity and first-party fraud and familiarity with fraud tools
- Experience identifying fraud patterns or working with fraud detection strategies
- Ability to translate analysis into clear actions (rules, controls, strategy changes)
- The ability to distill complex problems and analysis into a clear and concise narrative
- Experience in subprime consumer lending, fintech, payments, or another regulated financial services technology environment
- Hands-on experience applying AI to fraud management
Braviant Holdings Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Braviant Holdings and has not been reviewed or approved by Braviant Holdings.
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Leave & Time Off Breadth — Recharge Fridays, generous PTO, flexible schedules, and a paid sabbatical after five years are highlighted, expanding time-away options. These programs broaden rest and recovery opportunities beyond standard vacation.
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Retirement Support — An automatic employer 401(k) contribution with immediate vesting is advertised, providing baseline retirement value without requiring an employee match. This structure can enhance total compensation predictability.
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Wellbeing & Lifestyle Benefits — Company-paid disability coverage, an EAP with Calm access, remote-first flexibility, and culture events indicate attention to wellbeing and day-to-day quality of work. Such perks complement cash pay with practical lifestyle support.
Braviant Holdings Insights
What We Do
Braviant Holdings is a digital lending platform that combines breakthrough technology and cutting-edge machine learning to empower consumers with better credit solutions. This next-generation approach to lending is reducing credit barriers and creating a Path to Prime to help millions of underbanked consumers.
Why Work With Us
We’re about making a meaningful and lasting impact on the world. We come to work each day ready to embrace our wide range of backgrounds and build on each another’s ideas as we join forces to create the next-generation lending products our customers deserve!
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