Data Scientist (Portfolio Consumer)

Enova; United States; Hybrid; USD 120,000 - 180,000; Full time

Benefits offered by this job

Healthcare benefits

Sabbatical program

PTO & paid holidays

Parental leave

401(k) matching

Volunteer day

Job summary

Enova is seeking a Data Scientist to join the Credit Risk Modeling team. You will develop, enhance, and test models for managing our existing customer portfolio and driving growth while balancing risk.

You will independently tackle open-ended problems, present recommendations to executives, and actively contribute to pricing and credit model implementation across Enova’s business.

Qualifications

• Excellent knowledge in applied statistical methods and machine learning models.
• Advanced programming skills and the ability to write customized programs for meaningful data analysis and predictive modeling (Python).
• 3+ years of experience in Data Science, Analytics or related field.
• Strong problem-solving skills and the ability to work independently in a fast-paced, dynamic environment.
• Experience working with relational databases, such as SQL.
• Experience in financial services, fintech, or related industry preferred.

Responsibilities

• Develop, enhance and test models for credit risk management and growth optimization.
• Interpret and organize data and communicate insights to cross-functional teams to solve business problems.
• Design and implement A/B testing frameworks to evaluate model performance and drive improvement.
• Communicate insights and recommendations to senior management to guide product development strategies.
• Collaborate with Strategy and Operations to drive new initiatives.

Skills

Applied statistics

Machine learning

Python

Problem solving

Education

Statistics degree

Mathematics degree

Computer Science degree

Tools

SQL

Job description

• We are seeking a talented Data Scientist to join our Credit Risk Modeling team. In this role, you will develop, enhance and test our models for use in managing our existing customer portfolio and determining ways to drive growth while balancing risk. You will independently dive into open-ended problems in order to present recommendations to executives and actively manage the pricing and credit models that power Enova’s business. You will demonstrate the ability to interpret and organize data, and communicate it effectively to cross functional teams to solve business problems, provide requirements, and support implementation
• Our models power our lending decisions, providing critical risk insight to enable competitive and profitable loan offers. Your role will be essential in improving and managing this fundamental area of our business
• 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

Benefits

• 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 benefits
• Sabbatical program (for eligible roles)
• PTO & paid holidays off
• Paid parental leave
• Summer hours (for eligible roles)
• 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…Plus so much more!
• 401(k) matching plus a roth option

Excellent knowledge in applied statistical methods and machine learning modelsAdvanced programming skills and the ability to write customized programs for meaningful data analysis and predictive modeling (Python)3+ years of experience in Data Science, Analytics or related fieldStrong problem-solving skills and the ability to work independently in a fast-paced, dynamic environmentExperience working with relational databases, such as SQLExperience in financial services, fintech, or a related industry preferredDegree in Statistics, Mathematics, Economics, Computer Science, or a related field