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. #BI-Hybrid #LI-Hybrid
About the role:
We are seeking a detail-oriented and relationship-driven Lending Operations Lead to serve as the critical bridge between our sales team and our network of external lending partners. As we expand our Go-To-Market strategy to better serve US-based small businesses that may not fit our core products, you will manage the end-to-end operational flow of our lending marketplace.
Your mission is to ensure every loan application is complete, accurately matched to the best external partner, and processed with maximum speed and efficiency to lower our CAC and provide a seamless experience for our customers.
Responsibilities:
- Loan Processing & Submission Management:
- File Verification & Quality Control: Perform meticulous "desk reviews" of loan applications to ensure all documentation (bank statements, tax returns, credit reports, etc.) is complete and meets specific partner "buy box" requirements.
- Intelligent Lender Matching: Act as a subject matter expert on the credit policies of 8–10 external lending partners, routing files to the lender most likely to fund the specific SMB profile.
- Partner Submission & Liaison: Manage the formal submission process and serve as the primary point of contact for external underwriting teams, resolving issues to drive loans toward approval.
- Pipeline Management: Track files through the sales cycle, providing real-time updates to internal teams and identifying bottlenecks to maintain high pull-through rates.
- Stakeholder Collaboration & Knowledge Management:
- Lender Requirement Advocacy: Translate complex lender criteria into clear internal "buy boxes" and training materials for Sales and Product teams.
- Standardized Knowledge Hub: Maintain a real-time "Lender Playbook" and repository (within Salesforce or a shared workspace) to ensure internal teams have access to current guidelines, pricing, and protocols.
- Market Insight Briefings: Lead regular "Marketplace Rhythms" to update stakeholders on partner performance, submission quality trends, and shifts in the competitive landscape.
- Strategic Analysis & Trend Identification:
- Trend Identification & Reporting: Monitor and report on shifts in external lender behavior, such as changes in interest rates, credit appetite, or new alternative data requirements (e.g., shifts toward real-time cash flow or digital adoption metrics).
- Feedback Loop Management: Analyze data from rejected files to identify underserved SMB segments, providing insights to the Product team to influence future partnership scouting and product development.
- Standardized Knowledge Hub: Maintain a centralized, real-time "Lender Playbook" within Salesforce or a shared workspace (like Miro or a modern Intranet), ensuring all internal teams have access to up-to-date partnership intelligence.
Requirements:
- Demonstrated experience in commercial or consumer loan processing, documentation, or underwriting practices.
- Ability to evaluate balance sheets, income statements, and tax returns to assess the financial health and eligibility of an SMB.
- High comfort level with Loan Origination Systems (LOS), CRM platforms (Salesforce), and advanced Microsoft Excel skills for data entry and tracking.
- Exceptional organizational skills with a focus on accuracy in data verification and file integrity.
- Strong verbal and written communication skills to advocate for files with partner underwriters and collaborate with high-energy sales teams.
- Proven ability to learn new credit policies quickly and adapt to changing partner requirements in a fast-paced environment.
Compensation:
The budgeted annual salary range for this position is $85,000 to $130,000. 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.
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
- Experience in commercial or consumer loan processing
- Ability to evaluate financial statements
- Comfort with Loan Origination Systems and CRM platforms
- Exceptional organizational skills
- Strong verbal and written communication skills
- Ability to learn credit policies quickly
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.
