Data Scientist

• Organize and manipulate data from reporting and production databases for use in advanced analytics tasks.
• Source both internal and external data sources necessary to optimize the performance of predictive models and scores.
• Develop customer risk models utilizing both fundamental statistical techniques, as well as emerging software / technology (machine learning) when appropriate.
• Design tests and experiments to constantly refine risk models, decision engine logic and pricing parameters.
• Utilize advanced statistical software to develop predictive models, underwriting strategies, and pricing parameters.
• Monitor portfolio to evaluate changes in risk models, decision engine logic and pricing parameters.
• Develop actionable business recommendations related to risk management, price optimization, and margin maximization.

• Advanced degree in a highly quantitative field (e.g., Statistics, Mathematics, Economics, Computer Science, etc.)
• 2-4 years of professional experience in decision analytics, risk modeling and/or predictive statistics
• Proficient with the use of advanced statistical analysis software and capabilities (e.g., SAS, R, SQL programing, etc.)
• Experience in Financial Services and Subprime Lending preferred.
• Strong experience with data architecture, data mining and data integration
• Ability to conduct extensive data research and handle large datasets
• Capable of communicating and expressing ideas clearly and concisely, in both written & oral formats
• Highly organized and detail-oriented with proven ability to multi-task
• Capable of being objective and giving/taking constructive feedback
• A natural proclivity for questioning assumptions and challenging orthodoxies
• Physical demands for this position frequently include: the ability to remain in a stationary position, move about freely inside and occasionally outside of the office, and the operation of mechanical controls, such as a keyboard

• 
  A comprehensive new hire training program designed to help set you up for success
• Access to a robust learning management system, full of e-learning modules and training programs to help boost your professional and personal development
• Professional Development and Mentor Programs plus Ongoing Training Resources
• Multiple coverage levels for Medical, Dental, & Vision
• Group Health & Wellness Program, plus special savings on retail items, travel, entertainment, and more through TMX Perks
• Traditional 401(k) and Roth 401(k) with Company match
• Flexible Spending Accounts
• Basic and AD&D Life Insurance
• Voluntary benefits, including short-term and long-term disability insurance, accident, critical illness, and hospital confinement insurance
• Paid Time Off (Accrue 12 days per calendar year plus 2 additional days for each year of service after the first year of employment, 18 days in total)
• Performance-based career advancement
• Diverse Culture and Inclusive Environment

We are honored to be recognized as a Military Friendly Employer for 2021, 2022, and 2023, a Best Company to Work for by InHerSight, and have received designation as a Top Employer for Hispanic and Latinos by HLPA 2022 and 2023.

About Us

TMX Finance® Family of Companies is one of the largest consumer specialty finance organizations in the United States. Since 1998, we have provided access to credit for customers who are underserved by traditional lenders through our TitleMax®, TitleBucks®, and InstaLoan® brands. Many of our customers have nowhere else to turn when they suffer short-term financial setbacks like medical emergencies or home repairs, so it is our mission to remain a reliable source of credit and offer customers hope and opportunity.

The information contained herein is not intended to be an all-inclusive list of the duties and responsibilities of the job, nor is it intended to be an all-inclusive list of the skills and abilities required to do the job. The Company may, at its discretion, revise the job description at any time, and additional functions and requirements may be assigned by supervisors as deemed appropriate. Requirements, skills, and abilities included have been determined to illustrate the minimal standards required to successfully perform the position.

• Based on current benefit offering, which is subject to change with or without notice. Certain benefits are subject to the terms and conditions of the governing plan documents which should be consulted for additional details and eligibility requirements.