Credit Strategy Analyst

Braviant Holdings; United States; Remote; USD 65,000 - 100,000; Full time

Job summary

An established industry player is seeking a Credit Strategy Analyst to optimize credit performance and manage risk. This role combines strategic planning and data-driven analysis to enhance lending practices. The ideal candidate will possess a strong background in finance and credit analysis, providing actionable insights to improve portfolio performance. Join a dynamic team that values collaboration and innovation, where your contributions will directly impact the growth and success of the organization. If you're passionate about leveraging data and strategic thinking to drive results, this is the perfect opportunity for you.

Qualifications

• 1-3 years of experience in credit analysis or financial strategy roles.
• Proficiency in data analytics and statistical software tools.

Responsibilities

• Develop credit strategies by analyzing market trends and portfolio performance.
• Collect and analyze large datasets to identify trends and risks.

Skills

Data Analysis

Strategic Planning

Credit Analysis

Problem-Solving

Communication Skills

Education

Bachelor’s degree in finance

Bachelor’s degree in Economics

Bachelor’s degree in Business Administration

Bachelor’s degree in Mathematics

Bachelor’s degree in Statistics

Tools

Excel

SQL

Python

R

Tableau

Power BI

Job description

Who we are:

Founded in 2015 and based in Chicago, IL, privately held Braviant Holdings, Inc is a leading provider of tech-enabled credit products which combine breakthrough technology and cutting-edge machine learning to transform how people access credit online. The Company’s 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.

$65,000 - $100,000 a year

Job Overview

The Credit Strategy Analyst is responsible for developing, implementing, and monitoring strategic initiatives designed to optimize credit performance and manage risk exposure. This role blends strategic planning with data-driven financial analysis to support business growth and ensure sustainable lending practices. The ideal candidate will have a strong background in finance, credit analysis, and strategic planning, enabling them to provide actionable insights and recommendations to improve credit portfolio performance. Business acumen mixed with analytical skills are required for success in the role.

Key Responsibilities

Strategic Planning & Analysis:

1. Develop and refine credit strategies by analyzing market trends, economic data, and portfolio performance.
2. Perform scenario analysis and stress testing to assess the impact of economic variables on credit risk and returns.
3. Collaborate with leadership to define strategic objectives and drive initiatives aligned with the company’s risk appetite and growth targets.

Data Analysis & Reporting:

1. Collect, validate, and analyze large datasets to identify trends, opportunities, and risks within the credit portfolio.
2. Build and maintain robust analytical models that integrate market data, internal performance metrics, and risk indicators.
3. Prepare detailed reports and dashboards that communicate key findings, strategy effectiveness, and actionable insights to stakeholders.

Portfolio Management & Risk Mitigation:

1. Evaluate the composition of the current credit portfolio to identify areas for improvement and risk reduction.
2. Recommend strategies for portfolio diversification, risk adjustments, and product improvements to enhance credit quality.
3. Monitor portfolio performance against benchmarks and provide insights for ongoing optimization.

Stakeholder Collaboration:

1. Work closely with risk management, finance, and business development teams to align credit strategies with overall business goals.
2. Provide strategic input during the product development process and contribute to the design of new credit products.
3. Facilitate discussions with senior management by presenting data-driven insights and comprehensive strategy updates.

Process Improvement & Innovation:

1. Identify opportunities to enhance the effectiveness and efficiency of credit strategy processes through technology and data innovations.
2. Lead initiatives aimed at modernizing data collection, risk assessment, and reporting tools to support strategic decision-making.
3. Evaluate and implement best practices from industry leaders to continuously improve strategy development.

The successful candidate is expected to leverage generative AI tools to significantly enhance their own and our team’s capabilities.

Required Qualifications and Experience

Education:

Bachelor’s degree in finance, Economics, Business Administration, Mathematics, Statistics or a related field.

Experience:

1. 1-3 years of experience in credit analysis, financial strategy, or risk management roles.
2. Demonstrated experience with strategic planning and execution in a financial or banking environment.

Technical Skills:

1. Proficiency in data analytics and statistical software tools (e.g., Excel, SQL, Python, or R).
2. Strong experience with data visualization tools (such as Tableau, Power BI, or similar) to effectively communicate insights.
3. Experience in Generative AI is required.
4. Familiarity with credit risk models and quantitative analysis methodologies.

Analytical & Strategic Thinking:

1. Exceptional analytical skills with the ability to synthesize complex data into strategic insights.
2. Strong problem-solving skills and the ability to think critically about risk and opportunities.

Communication & Interpersonal Skills:

1. Excellent written and verbal communication skills, with the ability to translate data findings into strategic recommendations.
2. Proven ability to collaborate across functions and influence key stakeholders.

Organizational Skills:

1. Strong project management skills with the ability to handle multiple priorities and deliver under deadlines.
2. Detail-oriented with a proactive approach to identifying and mitigating potential issues.

What it’s like to work here:

We're about achieving results while having fun along the way. We believe in solving problems together and building on each other’s ideas. Our teams are comprised of smart, curious individuals and we encourage everyone to think like an owner, take initiative and drive their careers. Our broad roles provide tremendous opportunities for individuals to acquire new skills, gain exposure to all areas of the business, and quickly see their impact at Braviant. Want to learn more? Check us out on Glassdoor, BuiltIn and our Newsroom.