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About the Role
As a Lead Data Scientist on Enova's Fraud Analytics team, you will be the quantitative engine of our fraud prevention effort. You will develop, enhance, and test models and pattern-recognition pipelines that surface emerging fraud trends across lending products. You will collaborate with the Fraud Operations team, who investigate flagged applications, and use their findings to refine the models. This role is central to a fast, iterative loop of fraud detection and prevention.
Responsibilities
- Develop, deploy, and monitor models and pattern-recognition algorithms to detect emerging and shifting fraud trends across one or more lending products
- Write customized programs in Python for data analysis and predictive modeling, and query large, complex datasets in SQL
- Partner closely with Fraud Operations through the full detection loop, incorporating investigation results to refine features and reduce false positives/negatives
- Conduct ad hoc analysis on large, complex datasets to scope new or changing fraud trends and recommend risk, verification, and operational strategies
- Communicate findings clearly to cross-functional partners, provide requirements, and support implementation
- Help improve underwriting and verification processes from a fraud-risk perspective
- Apply AI in production applications to streamline fraud prevention processes
- Manage team members, and help coordinate their work with business priorities
Requirements
- 5+ years of experience in analytics, applied machine learning, or quantitative modeling
- Hands-on fraud experience required (fraud analytics, fraud strategy, or risk modeling, ideally in fintech or lending)
- Advanced Python and SQL
- Experience owning models end-to-end (design through deployment and monitoring) on large-scale transactional data
- Track record of translating analysis into business strategy and communicating with senior stakeholders
- Previous leadership experience mentoring teammates, driving team initiatives, and shaping priorities
Skills
- Python
- SQL
- Machine Learning
- Data Analysis
- Predictive Modeling
- Fraud Detection
- Risk Modeling
- AI
Location
- Remote flexibility on Mondays and Fridays
- In-office work Tuesday through Thursday
Work Type
- Hybrid
Experience Level
- Lead
- 5+ years
Salary/Compensations
- $106,000 to $140,000
Benefits
- Health, dental, and vision insurance including mental health benefits
- 401(k) matching plus a roth option
- PTO & paid holidays off
- Sabbatical program
- Summer hours
- Paid parental leave
- DEI groups
- 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 its AI and machine learning-powered Colossus™ platform.
- Serves non-prime consumers and businesses, and offers technology and services to traditional banks to create accessible credit.
- A values-driven organization focused on listening to customers, challenging assumptions, thinking big, setting high expectations, and hiring and developing the best.
- Maintains an environment of inclusion and culture where 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.
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