Credit Risk Data Scientist – Portfolio Growth (Hybrid)

Enova International; Chicago (IL); Hybrid; USD 87,000 - 110,000; Full time

Benefits offered by this job

Health insurance

401(k) matching

PTO & paid holidays off

Sabbatical program

Summer hours

Paid parental leave

DEI groups (B.L.A.C.K. @ Enova, HOLA @

Enova

Women @ Enova

Job summary

Enova International is seeking a Data Scientist to join the Credit Risk Modeling team in Chicago. You will develop, test, and refine models to assess customer credit risk and drive profitable lending decisions, collaborating with cross-functional teams on pricing and product development.

The role requires 3+ years in data science, strong Python and SQL, and a solid foundation in statistics and ML. You’ll design A/B tests, communicate insights to executives, and help implement scalable analytics

Qualifications

• 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

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, 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

Skills

Python

SQL

Statistics

Machine Learning

Education

Degree in Statistics, Mathematics, Economics, Computer Science, or a related field

Job description

Enova International is seeking a Data Scientist to join the Credit Risk Modeling team in Chicago. You will develop, test, and refine models to assess customer credit risk and drive profitable lending decisions, collaborating with cross-functional teams on pricing and product development.

The role requires 3+ years in data science, strong Python and SQL, and a solid foundation in statistics and ML. You’ll design A/B tests, communicate insights to executives, and help implement scalable analytics