Asset Liability Management Associate (Hybrid)

We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas or take over sponsorship at this time.

About the role

Enova is currently searching for an ALM Associate to join our Treasury team. In this role, you will be responsible for asset/liability management, forecasting Enova’s balance sheet and interest expense, and interest rate and liquidity risk analysis. The ideal candidate will be a skillful leader with a deep understanding of asset-liability management principles and demonstrated success in a high-growth, dynamic and fast-paced environment. This position will report to the Assistant Treasurer. 

Responsibilities:

• Evolve Enova’s asset-liability capabilities, particularly liquidity risk management and interest rate risk management, including buildout of a bank-grade ALM framework.
• Develop and analyze short and long-term balance sheet and interest expense forecasts through collaboration with FP&A and other key stakeholders.
• Assist with integrating deposit-based funding options into Enova’s overall funding strategy, evaluating ways to diversify sources and lower costs compared to traditional credit facilities and securitizations.
• Project the asset-liability position for the balance sheet to ensure acceptable levels of liquidity and assess the economic value of equity throughout interest rate cycles.
• Create and maintain dynamic models and procedures for interest rate risk measurement and liquidity risk management.
• Provide technical assessments and evaluations related to the impact of interest rate movements, economic value at risk, earnings at risk and other key metrics.
• Develop and maintain regulatory capital and liquidity reporting frameworks required under the OCC and Federal Reserve’s bank holding company supervision.
• Author and deliver impactful presentations, distilling complex ideas and opportunities into actionable insights including materials to communicate company achievements, strategy, and outlook to stakeholders.

Requirements:

• Bachelor’s degree in Finance, Economics, or other related field (MBA or CFA a plus)
• 7+ years preferred in the financial services industry, particularly in a Treasury/ALM/FP&A function
• Experience with bank regulatory frameworks preferred, including familiarity with OCC or Federal Reserve supervisory requirements, bank holding company reporting, and/or liquidity and capital adequacy standards
• Advanced Excel skills and integrated financial statement modeling knowledge
• Strong critical thinking skills with the ability to develop and clearly communicate meaningful, insightful analysis to stakeholders, including senior management
• Proven ability to influence across all levels of the organization by synthesizing complex insights into clear, structured, and impactful communications
• Highly accountable with strong ownership and follow-through on projects, even in ambiguous environments
• Collaborative team player who works effectively across functions, translating complex challenges into organized plans and actionable steps

Compensation:

The budgeted annual salary range for this position is $75,200 to $109,200. Actual annual salary will be determined based on qualifications, skills, experience, and level assessed during the hiring process and may fall outside of the range shown. Additional compensation for this role may include a bonus and restricted stock units. All full-time employees are eligible to participate in Company benefits, described in more detail here.

#BI-Hybrid #LI-Hybrid