Date Posted: 3/28/2018

Job Snapshot

Job Description

Reporting to our Credit Risk Management Director, this position’s charter is to increase the company’s profits through advanced statistical analytics, traditional risk management, machine learning and data science techniques. This individual will be a senior member of an exciting, fast-paced, and growing team making an immediate impact across the entire customer lifecycle (prospecting, acquisitions, customer management, and collections). This is a great opportunity for a talented person to broaden his/her business skill set through exposure to a wide variety of business problems and challenge him/herself with projects that can span from tactical to strategic in nature.   Senior Data Scientists - Credit Risk (a.k.a. Senior Analysts - Credit Risk) are based at our company headquarters in Irving (Las Colinas), Texas.


  • 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, Decision Science, 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

  • Lead company-wide initiatives related to credit risk decisioning

Job Requirements

  • BS in an analytical field such as Statistics, Econometrics, Applied Mathematics, or highly quantitative engineering (e.g. Chemical Engineering, Mechanical Engineering)

  • Preferred Master’s degree in Statistics or MBA with a Statistics focus 

  • 2-5 years of work experience as a Data Scientist, Statistician, Risk Analyst, Quantitative Analyst, Marketing Analyst, or other analytics roles in a consumer credit environment

  • Advanced user of SAS/STAT procedures and Excel

  • Advanced user of SAS and SQL 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 and decisioning strategies

  • Experience developing and implementing robust and compliant custom credit risk scores

  • Advanced knowledge of the data and service providers in the industry

  • 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

  • Work experience in consumer credit

  • 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


  • Experience in subprime consumer credit


  • Annual salary of $90,000


  • 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, extended medical leave, and jury duty

  • Corporate discount program on personal cell phone accounts with select providers

  • Business casual work environment


Founded in 1996, Cottonwood Financial is one of the largest privately held retail consumer finance companies in the United States.  We have zero debt, have been profitable every year since inception, and our growth is funded entirely through internally generated capital.  Headquartered in Irving (Las Colinas), Texas, we have company-owned locations, under our Cash Store brand, across the country.  Through this national brick-and-mortar footprint, we provide best-in-class customer service and offer an innovative mix of financial products and services to our customers.

We 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.