Data Science Manager - SMB

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. The health and safety of Enova’s employees is our number one priority and all employees are required to be fully vaccinated for COVID-19.  Proof of vaccination will be requested regardless of work location, unless prohibited by applicable state law. Employees may request an exemption to the vaccination policy due to medical reasons, sincerely-held religious beliefs, or as otherwise permitted by applicable state law.

Portfolio Analytics Manager - Small Business

As a Portfolio Analytics Manager for our Small Business Lending Division, you will be one of Enova’s most valuable resources. You will use creativity and innovative techniques to enhance and improve current statistical processes and methods to improve our credit and lending decisions, loan amount and pricing offers and the retention and growth of our customer base. You will embody a standard to coordinate, manage and review statistical modeling solutions and analysis to determine validity, impact potential and business fit. You will be expected to communicate to senior management through discussion, presentations, and write-ups of results, recommendations and insights gained through data analysis to be used to develop strategic and operational plans.

It is imperative to have the ability to adjust on the fly as new information surfaces and business priorities shift.  You will demonstrate the ability to maintain a thorough understanding of Enova’s credit products and businesses from a strategic standpoint, in addition to deep knowledge of underwriting, pricing and business analytics principles and strategies. You will facilitate close collaboration between team members and Technology, Operations and Sales groups on cross-functional projects to improve our lending processes and credit performance.  Most importantly you will manage a team of four to five statistical analysts/data scientists.

We’re excited about you if you have:

• A Bachelor's, Master’s, PhD or equivalent experience
• 6+ years of experience in a credit analytics or related field, small business experience preferred (term loans, lines of credit and / or credit card)
• Advanced programming skills and the ability to write customized programs for meaningful data analysis
• 2+ years of experience directly managing 3 or more employees
• Proficiency in SQL, spreadsheet applications and advanced statistics and data science
• Advanced knowledge of statistical/econometric modeling
• Strong business acumen and previous experience with process improvement as it relates to model building, automation, or other statistical methods.
• Experience in project management
• Willingness to take a very hands-on approach to model building

Our Analytics team:

Enova's Analytics team consists of over 60 quantitative professionals dedicated to using the latest cutting-edge techniques to drive business value.   We are a shared service for the entire company and operate in four core Analytics workgroups:

• Portfolio Analytics – the portfolio team focuses on building cutting edge risk, pricing, and underwriting models to optimize our lending decisions by using advanced modeling and simulation techniques to optimize the performance of our loan products and operations.
• Fraud Analytics – analysts on the fraud team use advanced data mining techniques to identify and fight online fraud.
• Marketing Analytics – the marketing analytics team is focused on applying statistical analysis and predictive modeling to help our marketing teams acquire and retain more valuable customers.
• Research and Platforms- the RAP team builds and maintains all of our technical tools and platforms.  They help investigate new analytics methodologies, use cases, and data sources, to institute new and best practices within the department.

At Enova we have a company-wide culture that emphasizes data-driven analysis. That means you spend less time presenting and more time with the fun part, crunching data! We are language agnostic, but primarily use Python, R, SAS, SQL and Mathematica. That means YOU get to pick the tool that works best for you and the analysis at hand.

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About Enova:
Enova is a leading financial technology company providing online financial services through its AI and machine learning powered lending platform. Enova serves the needs of non-prime consumers and small businesses, who are frequently underserved by traditional banks. Enova has provided more than 7 million customers with over $40 billion in loans and financing with market leading products that provide a path for them to improve their financial health. Want to learn more? Just ask any of our almost 1,500 employees.

Our goal at Enova, we believe that diversity and inclusion among our teammates is critical to our success as a global company, and we seek to recruit, develop and retain the most talented people from a diverse candidate pool. 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.