Credit Strategy Analyst

Summary

Join Braviant Holdings, Inc., a leading provider of tech-enabled credit products, as a Credit Strategy Analyst. This role involves developing and implementing strategic initiatives to optimize credit performance and manage risk exposure. You will analyze market trends, economic data, and portfolio performance to refine credit strategies, perform scenario analysis and stress testing, and collaborate with leadership to define strategic objectives. Data analysis and reporting are crucial, requiring you to collect, validate, and analyze large datasets to identify trends, opportunities, and risks. You will also evaluate the credit portfolio, recommend strategies for improvement and risk reduction, and monitor performance against benchmarks. This position demands strong communication and collaboration skills to work with risk management, finance, and business development teams. You will also contribute to product development and present data-driven insights to senior management. The ideal candidate will have a strong background in finance, credit analysis, and strategic planning, and will be proficient in data analytics and statistical software tools.

Requirements

• Bachelor’s degree in finance, Economics, Business Administration, Mathematics, Statistics or a related field
• 1-3 years of experience in credit analysis, financial strategy, or risk management roles
• Demonstrated experience with strategic planning and execution in a financial or banking environment
• Proficiency in data analytics and statistical software tools (e.g., Excel, SQL, Python, or R)
• Strong experience with data visualization tools (such as Tableau, Power BI, or similar) to effectively communicate insights
• Experience in Generative AI is required
• Familiarity with credit risk models and quantitative analysis methodologies
• Exceptional analytical skills with the ability to synthesize complex data into strategic insights
• Strong problem-solving skills and the ability to think critically about risk and opportunities
• Excellent written and verbal communication skills, with the ability to translate data findings into strategic recommendations
• Proven ability to collaborate across functions and influence key stakeholders
• Strong project management skills with the ability to handle multiple priorities and deliver under deadlines
• Detail-oriented with a proactive approach to identifying and mitigating potential issues

Responsibilities

• 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
• 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
• 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
• 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
• 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