Data Scientist - Credit Risk

Company: Cottonwood Financial Administrative Services, LLC
Location: Irving
Posted on: March 20, 2023

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 you to broaden your analytics skill set through exposure to a wide variety of business problems and challenge yourself with FinTech projects that can span from tactical to strategic nature. As a Data Scientist - Credit Risk (aka Credit Risk Analyst) you will have the flexibility of a hybrid work schedule, working 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

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  Develop and implement effective scoring models to be used in decisioning across all aspects of the customer lifecycle
  
  
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  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
  
  
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  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
  
  
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  Successfully manage and complete multiple concurrent projects without losing focus
  
  
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  Provide timely and justified recommendations in response to ad hoc analysis requests by internal groups
  
  
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  Act as an internal resource for SAS best practices
  
  
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  Develop actionable reports for use by the senior leadership team
  
  
  Required Qualifications
  
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    BS in an analytical field such as Statistics, Econometrics, Applied Mathematics, or highly quantitative engineering (e.g., Chemical Engineering, Mechanical Engineering)
    
    
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    1+ years of coding experience in SAS (merge and mold datasets using BASE and STAT) or in open source programming languages such as Python or R
    
    
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    Results-oriented self-starter who is confident in defending his/her critical thinking abilities
    
    
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    Proven track record of developing successful predictive analytics (i.e. statistical modeling)
    
    
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    Capitalistic mindset supported by a strong business acumen and work ethic
    
    
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    Demonstrated ability to communicate ideas and analysis results effectively both verbally and in writing to a non-technical audience
    
    
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    Local (Dallas/Fort Worth area) candidates only - no relocation
    
    
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    Must be currently authorized to work in the United States without sponsorship and not require sponsorship in the future
    
    
    Preferred Qualifications
    
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      Master's degree in Statistics strongly preferred
      
      
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      Previous experience as a Data Scientist, Statistician, Risk Analyst, Quantitative Analyst, or Marketing Analyst
      
      
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      Risk modeling and strategy development for decisions such as initial approve/decline, credit limits, and credit limit increases/decreases is a plus
      
      
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      Work experience in consumer credit
      
      
      Compensation
      
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      • Starting annual salary of $121,000
        
        Workplace
        
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        • Flexibility of a hybrid work schedule, working remotely from your home office in the Dallas-Fort Worth area and on-site at our Administrative Office (HQ) in Irving (Las Colinas), TX
          
          Benefits
          
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            Medical, dental, and vision
            
            
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            Voluntary life/ AD&D
            
            
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            Short-term & long-term disability
            
            
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            401K with company match
            
            
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            Paid vacation, holidays, and sick time
            
            
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            Paid maternity, paternity, bereavement, extended medical leave, and jury duty
            
            
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            Corporate discount program on "personal cell phone accounts" with select providers
            
            
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            Corporate discount program on Microsoft 365 "Home Use Program"
            
            
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            Business casual work environment
            
            
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            On-site fitness center
            
            
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            On site "grab-n-go" deli
            
            
            Founded in 1996, Cottonwood Financial is one of the largest privately held retail consumer finance companies in the United States. With our customer-centric focus, we offer an innovative mix of financial products and services through our FinTech (online/digital) lending portal, Cashstore.com, as well as through our 230+ brick-and-mortar retail locations in multiple 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.
            External Company URL: https://careers-cottonwoodfinancial.icims.com
            Street: 2100 W Walnut Hill Ln
            Job ID: 2022-2597
            Category 3: Finance
            Seniority level: Associate
            Workplace type: Hybrid
            Min Type: Annually
            SalaryMinCurrency: USD
            Full Name: First Last: Lisa Chen

Keywords: Cottonwood Financial Administrative Services, LLC, Irving , Data Scientist - Credit Risk, Other , Irving, Texas