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. While we appreciate interest from all applicants, Braviant Holdings is unable to sponsor visas at this time.
Who We Are
Founded in 2015 and based in Chicago, IL, privately held Braviant Holdings, LLC is a leading provider of tech-enabled consumer credit products that combine 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® — helping millions of underbanked consumers build credit history, reduce their cost of borrowing, and take control of their personal finances. Braviant has been named multiple times to the Inc. 5000 list of fastest growing private companies and has been recognized as a Best Place to Work.
We are a lean team of approximately 40 people who move fast and hold ourselves accountable for real outcomes. Everyone here rolls up their sleeves — including this role.
About the Role
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 Will Bring
- 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
- Experience in subprime consumer lending, fintech, payments, or another regulated financial services technology environment.
- Hands-on experience applying AI to fraud management
Required
Preferred
Benefits & 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
Compensation at Braviant is competitive and commensurate with experience. Details will be discussed with qualified candidates during the interview process. In addition, we provide:
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.
-
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.
-
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.
-
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!
Gallery
