Job Description
We are seeking a talented Data Scientist to join our Credit Risk Modeling team. In this role you will develop enhance and test our models for use in new customer acquisition and managing our existing customer portfolio. Our team focuses on ways to drive growth while balancing risk. You will independently dive into open-ended problems in order to present recommendations to executives and actively manage the credit models and offer generation 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 Strategy and Operations team to drive new initiatives
- Design and implement A/B testing frameworks to evaluate the performance of our models and product configurations 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
- Degree in Statistics Mathematics Economics Computer Science or a related field
- 3+ 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
- Ability to improve your work flow and delivery timelines with AI tools.
- 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 $87000 to $110000. 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 described in more detail here.
Benefits & Perks:
- Our hybrid roles require in-office work Tuesday through Thursday with remote flexibility on Mondays and Fridays. This schedule fosters collaboration team connection and strategic planning enhancing communication and effectiveness to drive results.
- 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 (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 so much 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—in order 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 our commitment to making Enova an awesome place to work we maintain an environment of inclusion and culture where our employees can thrive. You can learn more about Enova’s values and culture here.
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: Click here to review our California Privacy Policy for Job Applicants.
Top Skills
What the Team is Saying
What We Do
Enova International (NYSE: ENVA) is a leading online financial services company that serves small businesses and consumers who are underserved by traditional banks. For over 20 years Enova has provided over $67 billion in loans and financing to more than 14 million customers by offering a suite of market-leading products powered by the company's world-class analytics machine learning algorithms and proprietary technology. You can learn more about the company and its portfolio of businesses at www.enova.com.
Why Work With Us
Our values encourage ownership and accountability and we believe the best answer wins regardless of whose answer it is. We pride ourselves on hiring smart and driven people who bring new and innovative ideas to the table. Our mentality is "Work someplace awesome." Ready to join us?
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Enova Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
Enova’s hybrid work model allows employees to work in the office T W and TH with the option to work from home on Monday and Friday.
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Date Posted
04/10/2026
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