Enova International
About the role
We are seeking a talented Senior Data Scientist to join our Credit Risk Modeling team. In this role, you will develop, enhance and test our models for use in determining the appropriate lending criteria and verification procedures. You will independently dive into open-ended problems in order to present recommendations to executives and actively manage the pricing and credit models that power Enova’s business. You will demonstrate the ability to interpret and organize data, and communicate it effectively to cross functional teams to solve business problems, provide requirements, and support implementation. Our models power our lending decisions, providing critical risk insight to enable competitive and profitable loan offers. Your role will be essential in improving and managing this fundamental area of our business. Key responsibilities
Develop and refine proprietary models to assess customer credit profile Collaborate closely with the Pricing and Profitability team to leverage profitability models and develop pricing strategies Design and implement A/B testing frameworks to evaluate the performance of our models, analyzing outcomes to drive continuous improvement Communicate insights and recommendations to senior management, providing a data-driven perspective on customer risk and product development strategies Requirements
Degree in Statistics, Mathematics, Economics, Computer Science, or a related field 4+ years of experience in Data Science, Analytics or related field Advanced programming skills and the ability to write customized programs for meaningful data analysis and predictive modeling (Python) Experience working with relational databases, such as SQL Excellent knowledge in applied statistical methods and machine learning models Strong problem-solving skills and the ability to work independently in a fast-paced, dynamic environment Experience in financial services, fintech, or a related industry preferred Compensation
The budgeted annual salary range for this position is $96,000 to $125,000. Actual annual salary will be determined based on qualifications, skills, experience, and level assessed during the hiring process and may fall outside of the range shown. Additional compensation for this role may include a bonus. All full-time employees are eligible to participate in Company benefits. Our hybrid roles require in-office work Tuesday through Thursday, with remote flexibility on Mondays and Fridays. Health, dental, and vision insurance including mental health benefits 401(k) matching plus a roth option (U.S. Based employees only) PTO & paid holidays off Sabbatical program (for eligible roles) Summer hours (for eligible roles) Paid parental leave DEI groups and employee resource networks Employee recognition and rewards program Charitable matching and a paid volunteer day About Enova
Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered platform. We serve non-prime consumers and businesses alike, while offering world-class technology and services to traditional banks—in order to create accessible credit for millions. It is our policy to provide equal employment opportunity for all persons and not discriminate in employment decisions by placing the most qualified person in each job, without regard to any other classification protected by federal, state, or local law. California Applicants: Review our California Privacy Policy for Job Applicants.
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We are seeking a talented Senior Data Scientist to join our Credit Risk Modeling team. In this role, you will develop, enhance and test our models for use in determining the appropriate lending criteria and verification procedures. You will independently dive into open-ended problems in order to present recommendations to executives and actively manage the pricing and credit models that power Enova’s business. You will demonstrate the ability to interpret and organize data, and communicate it effectively to cross functional teams to solve business problems, provide requirements, and support implementation. Our models power our lending decisions, providing critical risk insight to enable competitive and profitable loan offers. Your role will be essential in improving and managing this fundamental area of our business. Key responsibilities
Develop and refine proprietary models to assess customer credit profile Collaborate closely with the Pricing and Profitability team to leverage profitability models and develop pricing strategies Design and implement A/B testing frameworks to evaluate the performance of our models, analyzing outcomes to drive continuous improvement Communicate insights and recommendations to senior management, providing a data-driven perspective on customer risk and product development strategies Requirements
Degree in Statistics, Mathematics, Economics, Computer Science, or a related field 4+ years of experience in Data Science, Analytics or related field Advanced programming skills and the ability to write customized programs for meaningful data analysis and predictive modeling (Python) Experience working with relational databases, such as SQL Excellent knowledge in applied statistical methods and machine learning models Strong problem-solving skills and the ability to work independently in a fast-paced, dynamic environment Experience in financial services, fintech, or a related industry preferred Compensation
The budgeted annual salary range for this position is $96,000 to $125,000. Actual annual salary will be determined based on qualifications, skills, experience, and level assessed during the hiring process and may fall outside of the range shown. Additional compensation for this role may include a bonus. All full-time employees are eligible to participate in Company benefits. Our hybrid roles require in-office work Tuesday through Thursday, with remote flexibility on Mondays and Fridays. Health, dental, and vision insurance including mental health benefits 401(k) matching plus a roth option (U.S. Based employees only) PTO & paid holidays off Sabbatical program (for eligible roles) Summer hours (for eligible roles) Paid parental leave DEI groups and employee resource networks Employee recognition and rewards program Charitable matching and a paid volunteer day About Enova
Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered platform. We serve non-prime consumers and businesses alike, while offering world-class technology and services to traditional banks—in order to create accessible credit for millions. It is our policy to provide equal employment opportunity for all persons and not discriminate in employment decisions by placing the most qualified person in each job, without regard to any other classification protected by federal, state, or local law. California Applicants: Review our California Privacy Policy for Job Applicants.
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