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About the Role
We are seeking a talented Data Scientist to join our Credit Risk Modeling team. You will develop, enhance, and test models for managing our customer portfolio and driving growth while balancing risk. This role involves independently tackling open-ended problems, presenting recommendations to executives, and managing pricing and credit models. You will interpret and organize data, communicating insights effectively to cross-functional teams to solve business problems, provide requirements, and support implementation. Your role is essential in improving and managing the risk insight that powers our lending decisions.
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 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
- 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
- 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
Skills
- Python
- SQL
- Applied statistical methods
- Machine learning models
Location
- Remote flexibility on Mondays and Fridays
- In-office work Tuesday through Thursday
Work Type
- Hybrid
Experience Level
- 3+ years of experience
Education Level
- Degree in Statistics, Mathematics, Economics, Computer Science, or a related field
Salary/Compensations
- $87,000 to $110,000
- Additional compensation may include a bonus
Benefits
- 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
About the Company
- 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.
Equal 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 other classification protected by federal, state, or local law.
- California Applicants: Click here to review our California Privacy Policy for Job Applicants.