Lead Credit Risk Data Scientist - Hybrid/Remote

Enova International, Inc.; Chicago, Northern (IL, KY); Hybrid; USD 106,000 - 140,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

401(k) matching

PTO & paid holidays off

Sabbatical program

Summer hours

Paid parental leave

DEI groups

Employee recognition and rewards

Job summary

Enova International, Inc. is seeking a Lead Data Scientist to develop, validate, and enhance credit risk models used for lending decisions. You will lead independent validations, prepare technical reports, and mentor teammates in production-ready modeling and governance.

Strong Python and SQL skills and risk-management knowledge are required. The role requires collaboration with stakeholders, a focus on risk assessment, and contributions to automation and risk strategies in a hybrid in-office

Qualifications

• Experience in developing and validating advanced credit risk models.
• 5+ years of quantitative analysis in the financial services industry and leadership of complex analytical or model validation projects.
• Strong knowledge of statistical models and methodologies used in risk management.
• Advanced Python programming for data analysis.
• Experience with relational databases and SQL.
• Ability to communicate complex quantitative concepts to technical and non-technical stakeholders.

Responsibilities

• Lead and perform model validation of credit risk models.
• Prepare model validation reports and write technical documentation.
• Provide technical guidance and mentorship to team members in validating and preparing models for production.
• Interact with model stakeholders and business partners to gather information about credit models and risk acceptances and provide effective challenge when appropriate.
• Support model releases to ensure they are quickly and accurately put into production.
• Monitor model performance dashboards, build alerts, and elevate concerns as appropriate.
• Drive improvements to model validation methodologies, processes, and governance practices by leveraging data manipulation, machine learning, and programming skills to enhance automation and develop custom tools.

Skills

Python

SQL

Credit risk models

Model validation

Leadership

Communication

Tools

Relational databases

Job description

Enova International, Inc. is seeking a Lead Data Scientist to develop, validate, and enhance credit risk models used for lending decisions. You will lead independent validations, prepare technical reports, and mentor teammates in production-ready modeling and governance.

Strong Python and SQL skills and risk-management knowledge are required. The role requires collaboration with stakeholders, a focus on risk assessment, and contributions to automation and risk strategies in a hybrid in-office