Braviant Holdings

We were founded in 2013 to offer tech-enabled credit products and services to underbanked consumers. Our proprietary decision models help us evaluate a person’s ability and willingness to repay, going beyond traditional credit scores. This allows us to provide online credit solutions tailored to our customers.

Our digital borrowing process uses innovative analytics, big data, responsive web design, real-time underwriting (to assess fraud risk and creditworthiness), and automated verification. This makes loan applications smoother. We’ve seen significant growth, with loan originations increasing fourfold and average access to credit rising by 30%.

We operate two consumer brands. Balance Credit offers installment loans and credit services for unexpected expenses or balancing budgets. Chorus Credit provides personal loans for various needs, such as consolidating bills or funding home improvement projects. Our company is based in Chicago, IL.

Our vision is for everyone to take control of their personal finances. Our mission is to provide easy-to-use financial solutions that help non-prime consumers improve their credit, eventually qualifying for lower rates and better terms.

We achieve this by building proprietary decision models that truly assess someone’s ability and willingness to repay. We also design customer-focused experiences. Our methods include using adaptive machine learning models to match consumers with the right loan terms.

Our values guide how we work with customers and colleagues:

• Think like an owner: Be proactive, resourceful, creative, and always look for ways to add value.
• Act with integrity: Respect colleagues and customers, and always do the right thing.
• Solve problems together: Build on each other’s ideas and collaborate.
• Innovate and iterate: Combine intuition and data to test, learn, and refine for continuous improvement.
• Measure and celebrate results: Track performance and celebrate our wins.

Our team members are builders, strategists, and problem solvers. We’re excited by new ideas and always strive to learn and improve. We aim to create a fun, inclusive, and results-driven fintech environment where everyone can quickly see the impact of their work.

Our workplace supports flexible schedules and has a casual office. We have an office in downtown Chicago and also offer remote work options.

We offer a comprehensive benefits package:

• Parental leave, generous PTO, sick, and floating holidays, plus 14 company holidays.
• An automatic 401(k) company contribution.
• Medical benefits with an ⁸⁰⁄₂₀ employer/employee split.
• Dental and vision coverage at no cost for employee-only plans.
• Company-paid disability plans.
• A flexible work schedule, remote work environment, and a monthly internet stipend.
• Participation in our Company Profits Interest Units long-term incentive plan and a discretionary bonus plan.
• Additional perks include summer hours, a professional development stipend, fun outings, free swag, and catered happy hours.