Jobs at Enova

Designs and maintains enterprise BI reporting, analytics applications, data marts, warehouses, and ETL/ELT pipelines. Partners with cross-functional stakeholders to gather requirements and deliver scalable solutions using SQL, Python, Snowflake, Airflow, and BI visualization tools. Leads initiatives through architecture, implementation, delivery, and support, while advancing AI adoption across the BI and data development workflow.

Lead development and independent validation of advanced credit risk models used for lending criteria and verification. Prepare validation reports, monitor model performance, support production releases, and improve validation methodologies through automation, data manipulation, machine learning, and programming. Provide technical guidance and mentorship while communicating quantitative findings to technical and business stakeholders.

Supervise a team supporting loan applications by managing performance metrics, quality assurance, productivity, and customer experience. Provide coaching, training, mentoring, one-on-ones, and performance reviews; identify trends and recommend improvements. Support interviews, hiring decisions, and onboarding for new representatives while maintaining effectiveness during high-pressure periods.

Supervise loan application support representatives by managing performance metrics, quality, productivity, and customer experience. Provide coaching, mentoring, training, one-on-one meetings, and performance reviews. Identify performance trends, recommend improvements, support employee engagement, and assist with interviewing, hiring decisions, and onboarding. The role requires leadership experience, financial or loan operations knowledge, strong communication, and the ability to remain calm in high-pressure situations.

Contact customers with delinquent loan payments through high-volume inbound and outbound calls. Understand financial challenges, negotiate payment arrangements or settlements, resolve concerns using empathy and de-escalation, explain overdue-payment implications, follow required call flows and policies, and accurately document interactions and payment plans. The role is fully remote but limited to candidates residing in specified U.S. states.

Guide prospective customers through loan applications via inbound and outbound calls, explain product benefits, encourage application completion, maintain accurate account records, and deliver professional customer service. The role includes a three-week training program and requires strong communication, empathy, multitasking, adaptability, and comfort working remotely in a high-volume environment.

Leads daily credit report dispute resolution operations, supervising dispute specialists and ensuring timely, accurate, and compliant case processing. Provides coaching, training, and performance guidance; analyzes dispute trends and processing errors; implements workflow improvements; collaborates with legal and compliance teams on FCRA and Metro 2 requirements; and monitors KPIs, turnaround times, escalations, and quality audits.

Lead affiliate marketing strategy and execution across 20+ strategic partnerships for consumer fintech brands. Manage partner programs, performance analysis, reporting, team development, business development, contract negotiations, and co-marketing initiatives. Collaborate with analytics, legal, compliance, market intelligence, and banking teams to optimize customer acquisition, ensure regulatory alignment, identify market trends, and apply AI and automation to improve marketing efficiency and growth.

Manage a portfolio of existing small-business customers, generate renewal business through high-volume phone and email outreach, address customer needs, introduce products, and consistently meet or exceed quotas. The role also involves maintaining partner relationships, negotiating contracts, analyzing data, monitoring online lending trends, and developing renewal strategies. Candidates need sales experience, strong communication and organizational skills, negotiation ability, and proficiency with Microsoft Office; Salesforce experience is preferred.

Supervise loan processing representatives by managing performance metrics, reviewing quality reports, coaching employees, conducting meetings and performance reviews, identifying improvement opportunities, and supporting hiring and onboarding. The role requires leadership experience in financial services or loan operations, strong communication skills, and the ability to motivate employees and handle high-pressure situations.

Lead growth marketing for the NetCredit consumer brand by overseeing acquisition, engagement, CRM, channel strategy, budget allocation, forecasting, and customer journey optimization. Use analytics and marketing research across digital, television, direct mail, and other channels to drive revenue, conversion, ROI, and brand growth. Present recommendations to executive leadership, collaborate with Product, Analytics, and Strategy teams, manage marketing staff, and apply AI and emerging technologies to improve efficiency.

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.

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.

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.

Manage transition of delinquent accounts to external law firms and collections agencies; prepare and audit documentation and placement records; reconcile external recovery reports with internal finance data; run account-level reporting and support ad-hoc data requests to drive recovery strategy and revenue.

Manage high-complexity loan files through origination: verify bank statements, ensure KYC/CIP compliance, triage and resolve issues, coordinate with underwriters and stakeholders, mentor junior processors, and maintain data integrity across loan systems.

Lead and coach a team of direct sales representatives to meet team quota and drive long-term revenue from small businesses. Monitor pipelines, analyze funnel data to identify improvement areas, conduct 1:1s and trainings, and manage priorities in a high-volume transactional environment while collaborating cross-functionally.

Support Small Business Collections by managing email case queues, UCC filings, legal fee and write-off processing, manual skip tracing, maintaining dialer metrics, executing payments, and improving processes. Collaborate with leadership and cross-functional teams to ensure accurate, auditable records and timely completion of daily, weekly, and monthly tasks.

Design, deliver, and maintain sales onboarding and ongoing training for OnDeck sales reps. Create instructional materials, run instructor-led and virtual sessions, support sales enablement (tools, compliance, AI features), track training metrics, collaborate with leaders, and analyze outcomes to improve sales performance.

The Collections Representative handles customer calls for overdue payments, offers payment solutions, and maintains customer records while ensuring compliance with collection laws.