Job Description

Reporting to our Director of Credit Risk Management, you will play a key role in increasing our profits through advanced statistical analytics, traditional risk management, machine learning and data science techniques. You will be an analyst, on a fast-paced and growing team of data science analysts, making an immediate impact across the entire customer lifecycle (prospecting, acquisitions, customer management, and collections). This is a wonderful opportunity for a talented analyst to broaden his/her analytics skill set through exposure to a wide variety of business problems and challenge him/herself with FinTech projects that can span from tactical to strategic in nature. As a Data Scientist - Credit Risk (aka Credit Risk Analyst) you will have a hybrid work schedule, both remotely from your home office in the Dallas-Fort Worth area and on-site at our Administrative Office (HQ) in Irving (Las Colinas), Texas.

Key Responsibilities

• Develop and implement effective scoring models to be used in decisioning across all aspects of the customer lifecycle
• Proactively collaborate with Information Technology (Database Engineers, Application Development, Business Intelligence), Product Development, Marketing, Compliance, Marketing Analytics, and other internal groups to implement credit risk policies and underwriting criteria for new products and business opportunities
• Profitably manage credit risk for all prospects and customers by monitoring trends, identifying opportunities, developing and presenting recommendations, implementing the strategies and measuring the impact
• Successfully manage and complete multiple concurrent projects without losing focus
• Provide timely and justified recommendations in response to ad hoc analysis requests by internal groups
• Act as an internal resource for SAS best practices
• Develop actionable reports for use by the senior leadership team

Requirements

• BS in an analytical field such as Statistics, Econometrics, Applied Mathematics, or highly quantitative engineering (e.g., Chemical Engineering, Mechanical Engineering)
• 1 years of work experience
• Advanced user of SAS/STAT procedures and Excel
• Advanced user of SAS to merge and mold data sets into a useful format
• Results-oriented self-starter who is confident in defending his/her critical thinking abilities
• Proven track record of developing successful predictive analytics (i.e. statistical modeling)
• Capitalistic mindset supported by a strong business acumen and work ethic
• Demonstrated ability to communicate ideas and analysis results effectively both verbally and in writing to a non-technical audience
• Local (Dallas/Fort Worth area) candidates only – no relocation
• Must be currently authorized to work in the United States without sponsorship and not require sponsorship in the future

Preferred Qualifications

• Master’s degree in Statistics strongly preferred
• Previous experience as a Data Scientist, Statistician, Risk Analyst, Quantitative Analyst, or Marketing Analyst
• Risk modeling and strategy development for decisions such as initial approve/decline, credit limits, and credit limit increases/decreases is a plus
• Work experience in consumer credit

Compensation

• Starting annual salary of $115,000

Workplace

• Hybrid work schedule from your home office in the Dallas-Fort Worth area and our Administrative Office (HQ) in Irving (Las Colinas), TX

Benefits

• Medical, dental, and vision
• Voluntary life/ AD&D
• Short-term & long-term disability
• 401K with company match
• Paid vacation, holidays, and sick time
• Paid maternity, paternity, bereavement, extended medical leave, and jury duty
• Corporate discount program on “personal cell phone accounts” with select providers
• Corporate discount program on Microsoft 365 “Home Use Program”
• Business casual work environment

About Cottonwood

Founded in 1996, Cottonwood Financial is one of the largest privately held retail consumer finance companies in the United States. With a customer-centric focus, we offer an innovative mix of FinTech and brick-and-mortar financial products and services through our online customer portal, Cashstore.com, as well as through our 230 retail locations in 3 states, under our Cash Store brand.We have a healthy balance sheet, are positioned to grow, and have been named multiple times to the Inc. 5000 list of America’s fastest-growing private companies, as well as to the Dallas 100 list of the fastest-growing private companies in North Texas. Cottonwood Financial is proud to be an equal opportunity employer.