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in Irving, TX
Credit Risk Analyst
•30 days ago
Hours | Full-time, Part-time |
---|---|
Location | Irving, Texas |
About this job
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 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. This position is based 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, 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
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
Annual salary of $75,100
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, extended medical leave, and jury duty
Corporate discount program on personal cell phone accounts with select providers
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. 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.