Jobs at Enova

As a Senior Software Engineer, you will develop systems, enhance AI tooling, mentor team members, and oversee project management in a collaborative environment.

The Senior Operations Manager oversees contact center functions, drives strategic direction, cultivates leadership, and ensures operational excellence across P&Ls.

Lead end-to-end strategy and operations projects to improve processes, launch initiatives, and enhance customer experience. Manage cross-functional stakeholders, evaluate vendors, negotiate partnerships, and collaborate with tech teams. Run data-intensive ad hoc analyses using SQL/BI to drive decisions and ensure measurable business impact.

Support a P&L by identifying operational bottlenecks, performing data analysis with SQL and BI tools, building predictive models, driving end-to-end solutions, and presenting findings to secure cross-functional alignment and implement improvements.

Investigate and monitor suspicious applications and loans, maintain product-specific fraud reports, escalate issues, work cross-functionally to improve fraud detection and underwriting, and support up to three brands including rotating on-call and weekend availability.

As a Senior Business Intelligence Engineer, you will design and maintain reporting solutions, architect ETL pipelines, and implement AI use cases while collaborating with stakeholders across various business units.

Contact customers with overdue loans by high-volume inbound/outbound calls, negotiate and execute payment arrangements, resolve complex payment issues empathetically, and accurately record interactions and payment plans in company systems.

Make 150–200 outbound calls daily to collect overdue loan payments, negotiate payment arrangements, resolve complex customer issues with empathy, document interactions in Enova's system, and ensure compliance with TCPA and collections regulations.

Lead and grow lifecycle email and SMS marketing for SMB products. Build and execute campaigns in Salesforce Marketing Cloud, run A/B tests, manage segmentation and reporting, partner with MarTech and Analytics, and manage a team to drive conversion, volume, and retention across the customer journey.

Lead FP&A activities including forecasting, budgeting, performance tracking, capital allocation analysis, scenario modeling, and long-term planning. Partner with leadership to guide product growth, profitability, and pricing decisions. Deliver actionable insights, develop investor and stakeholder materials, and support strategic financial initiatives to improve operating performance.

Lead lifecycle email and SMS marketing for small-business brands, build and execute campaigns in Salesforce Marketing Cloud, run A/B tests, manage segmentation and reporting, collaborate cross-functionally, and manage a team to drive conversions, volume, and retention.

Participate in a 4-week training program, then handle inbound customer calls: answer questions, process payments, create payment plans, update accounts, and deliver empathetic, accurate service via phone and written communication.

The Assistant General Counsel will manage litigation, conduct investigations, supervise outside counsel, advise business leaders, and counsel on legal risks.

Manage day-to-day execution of consumer acquisition and portfolio Direct Mail programs: data flows, campaign scheduling, cost tracking, performance reporting and optimization. Run A/B and creative/targeting tests, partner with vendors, and collaborate with BI, Data Science, and Analytics to improve reporting and drive program growth.

Lead development of Enova's ALM capabilities, forecast balance sheet and interest expense, analyze interest rate and liquidity risk, build dynamic models, support regulatory capital/liquidity reporting, integrate deposit funding strategies, and communicate insights to senior stakeholders.

Validate and test credit risk models, prepare validation reports and documentation, support model releases and monitoring, automate model training, perform ad-hoc statistical analyses, and communicate findings to stakeholders to support risk management and production deployment.

Coach and mentor contact-center representatives handling loan applications. Monitor metrics, QA, surveys, and error reports to drive performance improvements. Identify trends, recommend solutions, support engagement and recognition programs, and assist with ad-hoc projects and initiatives.

Build and maintain pricing and profitability models to optimize lending strategies, incorporating proprietary credit models. Design A/B tests, analyze financial performance trends, and present data-driven recommendations to senior management. Collaborate with credit risk, capital markets, FP&A, marketing, and sales to quantify financial impact and improve pricing decisions.

Build, deploy, and monitor machine learning and pattern-recognition models to detect lending fraud. Analyze large transactional datasets with Python and SQL, partner with Fraud Operations to iterate on features and reduce false positives/negatives, communicate findings to stakeholders, apply AI in production, and mentor team members.

Develop, own, and deploy core features across full-stack applications. Collaborate in Agile teams to design APIs, work with microservices/event-driven architectures, optimize SQL databases, debug production issues, participate in on-call rotation, and use AI tools to improve development workflows.