Jobs at Enova

Develop and monitor fraud-detection models and pattern-recognition algorithms for lending products. Analyze large datasets using Python and SQL, identify emerging fraud trends, and collaborate with Fraud Operations to refine features and reduce false positives and negatives. Conduct ad hoc analyses, recommend risk and verification strategies, communicate findings to cross-functional partners, and support improvements to underwriting and verification processes.

Leads a centralized contact center analytics function, managing analysts, prioritizing analytical requests, and setting operating standards. Performs complex analyses and executive insight reporting while building repeatable frameworks, automation, and responsible AI-assisted workflows. Partners with reporting and technology teams on data access and tools including MicroStrategy, Genesys, CallMiner, and Snowflake. Ensures analyses account for TCPA, FCRA, and FDCPA requirements while supporting strategic initiatives across customer service, lending, collections, complaints, workforce management, and related operations.

Leads the Strategic Partners account management function, owns partner onboarding, health reviews, QBRs, renewals, upsell and cross-sell, and manages senior relationships. Builds scalable account-growth playbooks, coaches account managers, develops performance scorecards, forecasts origination, and translates partner feedback into cross-functional priorities. Success is measured through retention, volume growth, tier upgrades, onboarding speed, partner health, and team performance.

Manages regulatory and operational issue lifecycles, customer remediations, root cause investigations, controls assessments, documentation quality reviews, deadlines, escalations, and audit-related data requests. Partners cross-functionally to address compliance requirements, improve issue management processes, and prevent recurrence of business and system issues.

Leads OnDeck’s strategic partner account management function, owning partner relationships from onboarding and go-live through expansion, tier upgrades, and renewal. Builds the account growth playbook, QBR program, health scorecard, and scalable operating processes. Manages and coaches account managers, directly oversees high-value partner relationships, drives upsell and cross-sell, coordinates co-marketing, forecasts origination, and translates partner feedback into product and business priorities.

Leads creative strategy for multiple financial services brands by translating performance data and customer insights into messaging, briefs, testing strategies, and creative recommendations. Manages and mentors copywriters, guides execution, maintains brand voice, drives paid social evolution, evaluates results, and feeds learnings into future work. Partners with marketing, channel, business, design, and creative teams while using analytics and AI tools to improve ideation and production.

Leads Creative and Design Operations for Enova Studios by managing workflows, traffic, dashboards, tools, vendors, SOPs, and operational improvements. The role administers Asana and integrates the broader tool stack, coordinates capacity and project execution, manages vendor relationships, and applies AI and automation to improve efficiency. It partners with leadership to establish priorities, surface risks, maintain visibility, and support both creative production and UX/product design workflows.

Contact customers with delinquent loan payments through high-volume inbound and outbound calls. Negotiate payment arrangements, resolve concerns, explain overdue-payment implications, document interactions accurately, and follow required call flows and company policies. The role requires empathy, conflict resolution, de-escalation, negotiation, strong communication, self-management, schedule adherence, multitasking, and problem-solving in a fully remote environment.

Own the paid search and affiliate marketing strategy for Enova’s Small Business division. Manage budgets, bids, partners, testing, landing pages, compliance, and channel optimization while connecting performance to acquisition efficiency, profitability, and P&L outcomes. Use AI to enhance research, analysis, reporting, creative, and decision-making. Collaborate with analytics, finance, creative, product marketing, legal, and compliance teams to identify growth opportunities and communicate data-backed recommendations.

Supports regulatory compliance programs for SMB and consumer lending businesses. Responsibilities include researching consumer protection laws, responding to compliance inquiries, conducting diligence and risk reviews, supporting audits and testing, identifying operational gaps, performing root cause analysis, and implementing policy and process changes. The role coordinates with business units and advisory teams while monitoring compliance with lending regulations such as UDAP/UDAAP, ECOA, FCRA, TILA, and TCPA.

Processes consumer loan applications while meeting quality and compliance standards. Handles inbound and outbound customer calls to verify application details, requests additional information, resolves issues through phone, email, or fax, and maintains accurate customer account records. The role requires strong communication, empathy, multitasking, adaptability, and comfort working remotely in a high-volume environment. A three-week training program is provided.

Handle inbound customer calls and inquiries, provide product and account education, process payments, create payment plans, resolve account matters, and maintain accurate customer records. The role requires empathetic communication, active listening, multitasking in a high-volume environment, adaptability to new technology, and effective remote work. Employees complete a four-week training program before specializing in a consumer lending brand.

Leads partnership and affiliate marketing strategy for consumer lending brands. Owns 20+ strategic partnerships, launches scalable co-marketing programs, analyzes performance, and drives customer acquisition. Manages direct reports, collaborates with analytics and market intelligence teams, applies AI and emerging technologies, provides executive insights, and oversees business development, contract negotiations, and regulatory coordination with Legal, Compliance, and Bank Partnerships.

Leads strategy and operations for new business initiatives, including market studies, competitive analysis, business modeling, M&A evaluation, strategic partnerships, budgeting, forecasting, acquisition integration, and startup planning. Monitors KPIs, assesses risks and efficiencies, supports cross-functional execution, mentors team members, and presents data-driven recommendations to senior stakeholders.

Supports a core P&L through strategic initiatives, process improvements, customer experience enhancements, and business automation. Owns projects from recommendation through implementation, manages bottlenecks and escalations, evaluates vendors, negotiates with partners, collaborates with technical teams, and uses data to guide decisions. The role requires cross-functional relationship building, analytical problem-solving, communication, influence, and project execution skills.

Design and implement software solutions across full-stack applications, including microservices, APIs, frontend and backend systems. Diagnose production issues, improve scalability, manage risk, and collaborate with Product, Analytics, Operations, and engineering teams. Mentor junior developers, prioritize work across projects, participate in on-call rotation, and apply AI tools responsibly to enhance development workflows.

Supports compliance monitoring and supervision for CashNetUSA products. Owns customer remediation and issue management from root-cause investigation through corrective action, system fixes, testing, and redress. Identifies compliance exceptions, analyzes complaint trends, develops process improvements, maintains monitoring systems, documents regulatory and product knowledge, and supports audits. The role collaborates cross-functionally to resolve operational issues and align business processes with federal and state requirements.

Leads and coaches contact center representatives, monitors performance metrics and quality reports, analyzes customer feedback and error trends, recommends performance improvements, supports employee engagement, and assists with projects. The role requires contact center experience, lending or loan operations knowledge, leadership, problem-solving, and data analysis skills.

Software Engineering Interns join agile full-stack teams for a 10-week program, completing software development lifecycle work on high-visibility business initiatives. Interns receive boot camp and training in Ruby, Rails, Go, and related technologies while collaborating with engineers and nontechnical partners. The hybrid role requires working from the Chicago office three days per week.

Strategy and Operations Intern supporting Enova's core business units through strategic initiatives and process-improvement projects. Responsibilities may include automating business processes, supporting product launches, analyzing business performance, collaborating cross-functionally, influencing stakeholders, and presenting recommendations. The 10-week hybrid internship requires working in the Chicago office three days per week.