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
Benefits & Perks:
- Our hybrid roles require in-office work Tuesday through Thursday, with remote flexibility on Mondays and Fridays. This schedule fosters collaboration, team connection, and strategic planning, enhancing communication and effectiveness to drive results.
- Health, dental, and vision insurance including mental health benefits
- 401(k) matching plus a roth option (U.S. Based employees only)
- PTO & paid holidays off
- Sabbatical program (for eligible roles)
- Summer hours (for eligible roles)
- Paid parental leave
- DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
- Employee recognition and rewards program
- Charitable matching and a paid volunteer day…Plus so much more!
About Enova
Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossus™platform. We serve non-prime consumers and businesses alike, while offering world-class technology and services to traditional banks—in order to create accessible credit for millions.
Being a values-driven organization is at the core of Enova’s success. We live our values by listening to our customers, challenging assumptions, thinking big, setting high expectations, and hiring and developing the best. Through our values and our commitment to making Enova an awesome place to work, we maintain an environment of inclusion and culture where our employees can thrive. You can learn more about Enova’s values and culture here.
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. California Applicants: Click here to review our California Privacy Policy for Job Applicants.
Skills Required
- Bachelor's degree in Finance, Economics, or related field, MBA or CFA preferred
- 7+ years in financial services, especially in Treasury/ALM/FP&A
- Experience with bank regulatory frameworks and capital liquidity standards
- Advanced Excel skills and financial statement modeling knowledge
- Strong critical thinking and analytical skills
- Proven ability to influence and communicate effectively
- Accountable with strong ownership and follow-through on projects
- Collaborative team player able to organize plans and actionable steps
What the Team is Saying
Enova Compensation & Benefits Highlights
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Healthcare Strength — Medical, dental, and vision coverage is complemented by mental health support and coverage for services like fertility treatments, acupuncture, chiropractic care, and hearing aids. Inclusive provisions such as transgender care and abortion travel support further broaden medical coverage.
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Parental & Family Support — Generous parental leave, a structured return‑to‑work program, fertility/IVF benefits, and an onsite mother’s room support family needs across life stages. Childcare benefits and family‑friendly policies reinforce practical support beyond leave.
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Leave & Time Off Breadth — PTO and paid holidays are complemented by summer hours and a paid month‑long sabbatical after four years. Feedback suggests time‑off options span both ongoing flexibility and extended restoration.
Enova Insights
What We Do
Enova International (NYSE: ENVA) is a leading online financial services company that serves small businesses and consumers who are underserved by traditional banks. For over 20 years, Enova has provided over $67 billion in loans and financing to more than 14 million customers by offering a suite of market-leading products powered by the company's world-class analytics, machine learning algorithms and proprietary technology. You can learn more about the company and its portfolio of businesses at www.enova.com.
Why Work With Us
Our values encourage ownership and accountability, and we believe the best answer wins, regardless of whose answer it is. We pride ourselves on hiring smart and driven people who bring new and innovative ideas to the table. Our mentality is, "Work someplace awesome." Ready to join us?
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Enova Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
Enova’s hybrid work model allows employees to work in the office T, W, and TH with the option to work from home on Monday and Friday.
