Pay
$118K–$193K is typical
The middle half of what similar US postings state. This one doesn’t list pay.
From 3,721 postings in the last year. Stated ranges, not salaries paid.
Senior Data Scientist (Credit Risk)
- Pay
- Pay not listedSimilar roles state $118K–$193K
- Work setting
- Not stated
- Employment
Full-time — employment source
Employment type Full Time
Employment type in the employer’s posting: Full Time
From the employer’s posting
Before you apply
- Work authorization
- Must already have the right to work in the US
Applicants must reside in Texas and be authorized to work in the United States
What you’ll work on
Full postingWe are building and scaling a high-performance consumer lending platform and are looking for a Senior Data Scientist to drive credit decisioning across the loan lifecycle.
Develop and deploy predictive models across the credit lifecycle (acquisition, risk, and collections) with a focus on improving approval quality and loss performance.
Build and deploy predictive models across acquisition, risk and collections
Turn model outputs into credit strategy such as approval cutoffs and decision rules
Analyze portfolio performance (FPD, delinquency, loss) to find drivers of deterioration
Design and run A/B tests and champion/challenger experiments
Monitor model and strategy performance for drift and unintended impacts
From the employer’s posting
We are building and scaling a high-performance consumer lending platform and are looking for a Senior Data Scientist to drive credit decisioning across the loan lifecycle. This role sits at the intersection of credit strategy, fraud, and analytics, directly impacting approval strategy, loss performance, and portfolio profitability. You will build and deploy models that inform key decisions around who we approve, how we price risk, and how we manage portfolio performance. This is a hands-on, high-impact role suited for someone who is business-oriented, data-driven, and biased toward action, not just model development. You will partner closely with Credit, Fraud, Servicing, Product, and Engineering to translate data into clear, actionable decisions that improve approval quality, reduce early loss, and drive sustainable growth.
Develop and deploy predictive models across the credit lifecycle (acquisition, risk, and collections) with a focus on improving approval quality and loss performance.
Develop and deploy predictive models across the credit lifecycle (acquisition, risk, and collections)
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
Design and execute experiments (A/B tests, champion/challenger frameworks)
Monitor model and strategy performance over time, identifying drift, instability, or unintended impacts on portfolio outcomes
Benefits in the posting
Full benefits wording- 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
From the employer’s posting.
About Braviantholdings
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.
In the employer’s words · Read in context
Posting record
Report an errorOpen 5 monthsWe first saw this posting 177 days ago and it is still up. Roles open this long are often slow to fill or kept open to collect applications.
- Status in our records
- Live
- First seen by us
- May 11, 2026177 days ago
- Recorded sightings
- 37
- Last seen by us
- Nov 5, 2026
These dates show when we found the posting. Check the employer’s website to confirm it is still accepting applications.
How this job compares
Time since we first saw it
Day 177
Up longer than most. Similar jobs usually come down between day 7 and day 56.
From 10,194 similar postings that came down. Coming down is not always a hire.
Braviantholdings is hiring
1 open job
- No new data jobs since May
See how this role fits your experience
Add your resume and we’ll mark which of these tools you already use, and point out anything in the posting that could rule you out.
- Python
- SQL
- Excel
Where the posting names them
- 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
- 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
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Demand for Data Scientist roles
New Data Scientist postings at the employers we follow are down 3% over the last 5 weeks compared with the 5 before.
Each bar is one week of new postings. The darkest bars are the last 5 weeks.
Counted from the hiring pages we’ve followed for at least five weeks, so employers we add don’t look like growth. Updated weekly.
About the role
We file this job under Data Scientist, by the work the posting describes.
Data scientists use statistics and models to answer harder questions, such as whether a change worked, what demand will look like next quarter, or which customers are likely to leave.
Postings usually ask for Python or R, SQL, statistics, experiment design and common machine learning methods.
Unlike an ML engineer, a data scientist's main output is often an analysis or a first model, not software running inside a product.
US government figures for data scientists
- Median yearly pay, May 2025
- $120,230
- Expected change, 2025 to 2035
- 34.6% more jobsagainst 3.5% for all jobs
Source: US Bureau of Labor Statistics, Occupational Employment and Wage Statistics (May 2025) and Employment Projections (2025 to 2035). Occupation code 15-2051.
Job description
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.
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. Everyone rolls up their sleeves here, including this role.
About the Role
We are building and scaling a high-performance consumer lending platform and are looking for a Senior Data Scientist to drive credit decisioning across the loan lifecycle. This role sits at the intersection of credit strategy, fraud, and analytics, directly impacting approval strategy, loss performance, and portfolio profitability. You will build and deploy models that inform key decisions around who we approve, how we price risk, and how we manage portfolio performance. This is a hands-on, high-impact role suited for someone who is business-oriented, data-driven, and biased toward action, not just model development. You will partner closely with Credit, Fraud, Servicing, Product, and Engineering to translate data into clear, actionable decisions that improve approval quality, reduce early loss, and drive sustainable growth.
What You'll Be Doing
- 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.
What You Will Bring
- 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
- Experience in subprime consumer lending, fintech, payments, or another regulated financial services technology environment.
- Hands-on experience applying AI to credit risk 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:
Braviant is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, marital status, veteran status, disability status, or any other characteristic protected by applicable law.
Employment type
Full Time
Source details
Source notes
Source excerptsSelected passages from the saved posting. Check the full description for conditions and exceptions.
- Pay
No pay amount identified in the saved description.
- Location & working pattern
Dallas, TX
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. Who We Are
- Work authorization
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. Who We Are