Data Scientist

Cottonwood Financial
Cottonwood Financial

Job Overview

Reporting to our Director of Decision Science, the Data Scientist (a.k.a. Decision Science Analyst) position’s charter is to increase the company’s profits through data science, machine learning, and advanced statistical analytics techniques in the areas of payments, collections, operations, and companywide cross-functional projects. This individual will be a member of an exciting, fast-paced, and growing team making an immediate impact across the entire company. 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. Data Scientists are based at our Corporate Office (HQ) in Irving (Las Colinas), Texas.


  • Provide data science solutions for the profitable management of key business areas of payments, collections, operations, and other companywide cross-functional projects by monitoring trends, identifying opportunities, developing and presenting recommendations, implementing the strategies, and measuring the impact
  • Work with the latest open source tools, libraries, platforms, and languages to build effective machine learning models to be used in non-credit decisioning throughout the firm
  • Proactively collaborate with Credit Risk Management, Marketing Analytics, Marketing, Data Management & Governance,
  • Application Development, Operations, Product Management, Compliance, and other internal groups to implement new business practices and decisioning strategies
  • Accountable for the successful management and completion of multiple concurrent projects that are on-time and with high quality
  • Provide timely and justified recommendations in response to ad hoc analysis requests by internal groups
  • Act as an internal resource for Python best practices
  • Develop actionable reports for use by the senior leadership team


  • BS in an analytical field such as Data Science, Machine Learning, Analytics, Statistics, Computer Science, or highly quantitative engineering (e.g. Chemical Engineering, Mechanical Engineering)
  • 2+ years of hands-on work experience developing data science solutions
  • 2+ years of coding experience in open source programming languages such as Python or R
  • Advanced user of database query languages such as SAS and SQL
  • 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


  • Master’s degree in a Quantitative field strongly preferred
  • 3+ years of hands-on work experience developing data science solutions leveraging data mining, machine learning, deep learning, operations research, or Bayesian methods
  • Work experience in consumer credit


  • Annual salary of $75,200


  • 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 several 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.
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