Analytics Analyst - Fraud (Hybrid)

Oppurtuna; Chicago (IL); Hybrid; USD 63,000 - 95,000; Full time

Benefits offered by this job

Health insurance

Dental & Vision

401(k) matching + Roth option

PTO & holidays

Sabbatical program

Summer hours

Paid parental leave

DEI groups

Volunteer day

Job summary

Enova in Chicago is seeking an Analytics Analyst for Fraud on a hybrid schedule. You will develop, deploy, and monitor models and pattern-recognition algorithms to detect fraud trends across lending products, writing Python programs and querying large datasets with SQL.

You will partner with Fraud Operations to refine features, examine false positives/negatives, and share findings with cross-functional partners to improve underwriting from a fraud-risk perspective.

Qualifications

• Bachelor's degree in a quantitative field or equivalent experience.
• Solid programming skills for data analysis—demonstrated through work, internships, coursework, or personal projects.
• Foundational knowledge of statistical methods and machine learning.

Responsibilities

• Develop, deploy, and monitor models and pattern-recognition algorithms to detect fraud trends across lending products.
• Write Python programs for meaningful data analysis and predictive modeling; query large datasets in SQL.
• Collaborate with Fraud Operations to surface patterns, refine features, and reduce false positives/negatives.
• Conduct ad hoc analyses on large datasets to scope new fraud trends and advise risk and verification strategies.
• Communicate findings clearly to cross-functional partners and support implementation.

Skills

Python

SQL

Statistics

Machine Learning

Data Analysis

Education

Bachelor's degree in a quantitative field

Tools

SQL

Job description

# Analytics Analyst - Fraud (Hybrid)EnovaChicago, ILPosted a day agoApply Now## DetailsLocationChicago, IL## Job SummaryAnalytics## Job DescriptionWe are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas or take over sponsorship at this time.About the role:Staying a step ahead of fraudsters takes an inquisitive mind, an appetite to dig deeper, and the imagination to shed new light on how we fight fraud — and here, it all starts with data. As an Analyst on Enova's Fraud Analytics team, you'll be the quantitative engine of our fraud prevention effort. You'll develop, enhance, and test the models and pattern-recognition pipelines that surface emerging fraud trends across our lending products — then work hand-in-hand with our Fraud Operations team, who investigate the individual applications your models flag. Their findings (the false positives and false negatives) come back to you to sharpen the identifying characteristics and pivot the approach. It's a fast, iterative loop, and you sit at the center of it.The broader Enova Analytics department consists of 100 quantitative professionals dedicated to using the latest cutting-edge techniques to drive business value: providing customers with access to fast, trustworthy credit while managing risk. Our company-wide, data-driven culture means you spend less time presenting and more time on the fun part: crunching data.Key responsibilities:Develop, deploy, and monitor models and pattern-recognition algorithms to detect emerging and shifting fraud trends across one or more lending productsWrite customized programs in Python for meaningful data analysis and predictive modeling, and query large, complex datasets in SQLPartner closely with Fraud Operations through the full detection loop — pulling data together, surfacing suspicious patterns, and incorporating their investigation results to refine features and reduce false positives/negativesConduct ad hoc analysis on large, complex datasets to scope new or changing fraud trends and recommend risk, verification, and operational strategiesCommunicate findings clearly to cross-functional partners, provide requirements, and support implementationHelp improve underwriting and verification processes from a fraud-risk perspectiveRequirements:A Bachelor's degree in a quantitative field (Statistics, Mathematics, Economics, Computer Science, or similar) or equivalent experienceSolid programming skills for data analysis — demonstrated through work, internships, coursework, or personal projectsWorking knowledge of relational databases (SQL)Foundational knowledge of statistical methods and machine learningComfort using AI tools to improve your workflow and deliveryStrong problem-solving instincts and a naturally inquisitive, dig-deeper mindsetPrior experience is not required; fraud, fintech, or lending exposure is a plus, interest in them is a mustCompensation:This position includes various levels within our career ladder. The actual annual salary will be determined based on qualifications, skills, experience, and level assessed during the hiring process and may fall outside of the ranges shown.Budgeted annual salary ranges:Analytics Analyst I: $63,000 - $83,000Analytics Analyst II: $75,000 - $95,000Additional compensation for this role may include a bonus. All full-time employees are eligible to participate in Company benefits, described in more detailhere.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 benefits401(k) matching plus a roth option (U.S. Based employees only)PTO & paid holidays offSabbatical program (for eligible roles)Summer hours (for eligible roles)Paid parental leaveDEI 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 programCharitable matching and a paid volunteer day...Plus so much more!About EnovaEnova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered ColossusTMplatform. 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 culturehere.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: Clickhereto review our California Privacy Policy for Job Applicants.