Enova is an online financial services provider driven by technology and analytics. Since its founding in 2004, Enova has provided online loans to more than four million people on five continents. We’re proud of our global business model, which is driven by a smart and motivated workforce and a dedication to customer satisfaction.

Fraud Operations Analyst at Enova

What you'll be doing:

To be a successful Fraud Operations Analyst at Enova, one must have an innate desire to dig deeper, and a willingness to go above and beyond in an effort to protect our products from falling victim to various fraud attempts. On a typical day, your co-workers will find you executing complex, in-depth investigations on suspicious applications as well as using technology-based tools to improve current fraud monitoring and detection systems utilizing SQL and Excel. Managers and key executives will need to depend on your skills and knowledge to ensure the health of the business is being maintained from the fraud risk perspective. Cross-functional projects are highly encouraged and vital to the Fraud Operation Analyst role, as well as assisting in improving our underwriting and verification processes. Innovation is the key in being able to successfully combat fraudsters, so we are seeking a candidate with an imaginative mind who can shed new light on intuitive ways to fight fraud.

Your core priorities will be to:

  • To monitor, and investigate any suspicious applications and loans for one or more of our products
  • Work cross-functionally with other departments to improve procedures, and/or provide advice from a fraud risk perspective
  • Work independently while supporting teams in other locations around the globe
  • Maintain reports specific to your designated product, and know when to escalate any potential issues that arise, as well as which teams needs to be notified

What you should have:

  • Bachelor's degree or equivalent experience, preferred
  • Proven track records of developing complex SQL queries
  • Working knowledge of MS Office applications
  • Highly self-motivated, and willingness to build networks/relationships with other departments
  • Naturally inquisitive, and desire to gain business insight, information and understanding
  • Willingness to do what it takes to respond to urgent projects, reports, or issues
  • Excellent written and oral communication skills to succinctly and accurately communicate issues and recommendations
  • Ability to derive actionable insights from large, complex data sets and take initiative
  • Familiarity with Brazilian culture and Portuguese is preferred

About us:

Enova's Analytics team consists of over 50 quantitative professionals dedicated to using the latest ground breaking techniques to drive business value. We are a shared service for the entire company and operate in four core Analytics workgroups:

  • Portfolio Analytics – this team focuses on building groundbreaking risk, pricing, and underwriting models to strengthen our lending decisions by using advanced modeling and simulation techniques to optimize the performance of our loan products and operations.
  • Fraud Analytics – this team uses advanced data mining techniques to identify and fight online fraud.
  • Marketing Analytics – this team is passionate about applying statistical analysis and predictive modeling to help our marketing teams acquire and retain more valuable customers.
  • Research and Platforms- this team builds and maintains all of our technical tools and platforms. They help investigate new analytics methodologies, use cases, and data sources, to institute new and best methodologies within the department.

We are language agnostic, but primarily use SAS, Python, R, SQL and Mathematica. That means YOU get to pick the tool that works best for you and the analysis at hand.

About Enova:
Enova is a leading provider of online financial services that leverages its advanced technology and analytics to provide access to credit for non-prime consumers and small businesses. Our roots are in Chicago, but we have served nearly 5 million customers through our six businesses in the U.S. and abroad. We pride ourselves on hiring smart and driven people who bring new and innovative ideas to the table. Our philosophy is, "Life’s short. Work some place awesome."

Many of us consider our people to be Enova’s best perk. But to sweeten the deal, we also have a pretty awesome list of conventional (and less conventional) perks and benefits including competitive salaries, health care benefits, a 401K matching plan, a revamped parental leave program (and brand new nursing rooms for our returning mothers!) summer hours, tuition reimbursement and a sabbatical program. And of course we also have the things you’d expect at a leading tech company in Chicago, such as the snacks, game room, onsite massages/barbers/nail technicians, monthly social events, and sporting sponsorships.

Our goal at Enova is to recruit, hire, develop and maintain a diverse workforce. 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.

Company Reviews

The structured LevelUp curriculum — which is a month of programming assignments in different languages and a curated list of required reading — is one of the unique ways that Enova invests in making you a better programmer. Your assignments are evaluated by an instructor, as well as your peers, which facilitates improving and growing your skillset. If there is a topic that intrigues you, guaranteed, there is generally an expert in that area a few steps away. There are so many confident and skilled software engineers to talk to, your growth is only limited by your motivation."
Jill Lynch
Software Engineering Apprentice
at Enova
Enova provides its employees everything they need to succeed in their careers, including top talent, an engaging workplace, tons of awesome perks and benefits, and strong company values.
Shaan Sapra
Software Engineer
at Enova
Enova has amazing perks like free food, comfortable dress and summer hours, but the most notable benefit is the deep investment in learning and skill-building. Software new hires go through a 10-week, self-paced training program, which culminates in a full Ruby on Rails app of your design. After training, project team members help you take on responsibility and quickly get success under your belt. Opportunities to make changes abound at Enova, where the only limit to your impact is the need for sleep.
Michelle Waldorf
Software Engineer
at Enova
ENOVA = Fast + Flexible + Frictionless: my favorite F words!
Hakan Karagul
Business Analytics Manager
at Enova
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Why work with us
Being part of a global company like ours means you have lots of opportunities to shine. Our values encourage ownership and accountability, with a commitment to making sure the best answer wins, regardless of whose answer it is. We are a fun and innovative company full of talented people, constantly setting high expectations for ourselves and working our hardest to do even better.
Culture
Our philosophy is simple: Happy employees are more successful. When company culture is collaborative and open, we accomplish more together. So you can wear pretty much whatever you want, and you can help yourself to the virtually unlimited coffee, soda and snacks in our fully stocked kitchens. When you sit down at your desk, you’ll do it in front of your choice of Mac or PC, outfitted with all the accessories you need to do your best work. We believe that when you have the tools you need for success, everybody wins.
Perks & Benefits
Medical, dental and vision coverage • 401(k) matching • Commuter tax benefits • Tuition reimbursement • Sabbatical program • Summer Hours • Recognition programs • On-site discounted yoga, dry cleaning, manicures, haircuts and massages • After-hours food delivery and commuting reimbursement • Off-site events every month • Discounted gym memberships • Intramural sports • Pet insurance

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