Enova International
About the role
We are seeking a talented Senior Data Scientist to join our Portfolio Analytics team. In this role, you will develop, enhance and test models for determining lending criteria and verification procedures. You will independently tackle open-ended problems, present recommendations to executives, and actively manage pricing and credit models that power Enova’s business. You will interpret and organize data and communicate findings to cross-functional teams to solve business problems, provide requirements, and support implementation. Our models power lending decisions by providing risk insights 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 Design and implement A/B testing frameworks to evaluate model performance and 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 ability to write customized programs for data analysis and predictive modeling (Python) Experience with relational databases, such as SQL Excellent knowledge of applied statistical methods and machine learning models Strong problem-solving skills and 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 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, described in more detail here. Benefits and in-office details
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 and paid holidays Sabbatical program (for eligible roles) Summer hours (for eligible roles) Paid parental leave DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova) Employee recognition and rewards program Charitable matching and a paid volunteer day, plus more About Enova
Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossus platform. We serve non-prime consumers and businesses alike, while offering world-class technology and services to traditional banks—to create accessible credit for millions. Being a values-driven organization is at the core of Enova’s success. We live our values by listening to our customers, challenging assumptions, thinking big, setting high expectations, and hiring and developing the best. Through our values and commitment to making Enova an awesome place to work, we maintain an inclusive culture where our employees can thrive. You can learn more about Enova’s values and culture here. Equal Employment Opportunity
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 classification protected by federal, state, or local law. California Applicants: Click here to review our California Privacy Policy for Job Applicants.
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We are seeking a talented Senior Data Scientist to join our Portfolio Analytics team. In this role, you will develop, enhance and test models for determining lending criteria and verification procedures. You will independently tackle open-ended problems, present recommendations to executives, and actively manage pricing and credit models that power Enova’s business. You will interpret and organize data and communicate findings to cross-functional teams to solve business problems, provide requirements, and support implementation. Our models power lending decisions by providing risk insights 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 Design and implement A/B testing frameworks to evaluate model performance and 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 ability to write customized programs for data analysis and predictive modeling (Python) Experience with relational databases, such as SQL Excellent knowledge of applied statistical methods and machine learning models Strong problem-solving skills and 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 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, described in more detail here. Benefits and in-office details
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 and paid holidays Sabbatical program (for eligible roles) Summer hours (for eligible roles) Paid parental leave DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova) Employee recognition and rewards program Charitable matching and a paid volunteer day, plus more About Enova
Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossus platform. We serve non-prime consumers and businesses alike, while offering world-class technology and services to traditional banks—to create accessible credit for millions. Being a values-driven organization is at the core of Enova’s success. We live our values by listening to our customers, challenging assumptions, thinking big, setting high expectations, and hiring and developing the best. Through our values and commitment to making Enova an awesome place to work, we maintain an inclusive culture where our employees can thrive. You can learn more about Enova’s values and culture here. Equal Employment Opportunity
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 classification protected by federal, state, or local law. California Applicants: Click here to review our California Privacy Policy for Job Applicants.
#J-18808-Ljbffr