Credit Strategy Analyst

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: -Develop and refine credit strategies by analyzing market trends, economic data, and portfolio performance. -Perform scenario analysis and stress testing to assess the impact of economic variables on credit risk and returns. -Collaborate with leadership to define strategic objectives and drive initiatives aligned with the company's risk appetite and growth targets. Data Analysis & Reporting: -Collect, validate, and analyze large datasets to identify trends, opportunities, and risks within the credit portfolio. -Build and maintain robust analytical models that integrate market data, internal performance metrics, and risk indicators. -Prepare detailed reports and dashboards that communicate key findings, strategy effectiveness, and actionable insights to stakeholders. Portfolio Management & Risk Mitigation: -Evaluate the composition of the current credit portfolio to identify areas for improvement and risk reduction. -Recommend strategies for portfolio diversification, risk adjustments, and product improvements to enhance credit quality. -Monitor portfolio performance against benchmarks and provide insights for ongoing optimization. Stakeholder Collaboration: -Work closely with risk management, finance, and business development teams to align credit strategies with overall business goals. -Provide strategic input during the product development process and contribute to the design of new credit products. -Facilitate discussions with senior management by presenting data-driven insights and comprehensive strategy updates. Process Improvement & Innovation: -Identify opportunities to enhance the effectiveness and efficiency of credit strategy processes through technology and data innovations. -Lead initiatives aimed at modernizing data collection, risk assessment, and reporting tools to support strategic decision-making. -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.

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.