Analytics Analyst - Fraud (Hybrid)
About The Position
As an Analyst on Enova's Fraud Analytics team, you will develop, enhance, deploy, and monitor models and pattern-recognition pipelines that identify emerging and changing fraud trends across lending products. You will work closely with Fraud Operations in an iterative detection process: analyzing data to surface suspicious patterns, incorporating investigators' findings, and refining features and approaches to reduce false positives and false negatives. The role also involves ad hoc analysis, recommending risk and verification strategies, communicating findings and requirements to cross-functional partners, and supporting implementation and improvements to underwriting and verification processes. The role is part of Enova's Analytics department, which includes 100 quantitative professionals focused on using data and analytics to support business value and manage risk. The position is offered at Analytics Analyst I or Analytics Analyst II level. Hybrid work requires in-office attendance Tuesday through Thursday, with remote flexibility on Mondays and Fridays.
Requirements
- Bachelor's degree in a quantitative field such as Statistics, Mathematics, Economics, or Computer Science, or equivalent experience.
- Solid programming skills for data analysis, demonstrated through work, internships, coursework, or personal projects.
- Working knowledge of relational databases and SQL.
- Foundational knowledge of statistical methods and machine learning.
- Comfort using AI tools to improve workflow and delivery.
- Strong problem-solving instincts and an inquisitive, dig-deeper mindset.
- Interest in fraud, fintech, or lending; prior experience is not required.
Nice To Haves
- Prior exposure to fraud, fintech, or lending.
Responsibilities
- Develop, deploy, and monitor models and pattern-recognition algorithms to detect emerging and shifting fraud trends across lending products.
- Write customized Python programs for data analysis and predictive modeling, and query large, complex datasets using SQL.
- Partner with Fraud Operations throughout the fraud-detection loop: assemble data, surface suspicious patterns, and incorporate investigation results to refine features and reduce false positives and false negatives.
- Conduct ad hoc analysis of large, complex datasets to assess new or changing fraud trends and recommend risk, verification, and operational strategies.
- Communicate findings clearly to cross-functional partners, provide requirements, and support implementation.
- Help improve underwriting and verification processes from a fraud-risk perspective.
Benefits
- Health, dental, and vision insurance, including mental health benefits.
- 401(k) matching with a Roth option for U.S.-based employees.
- PTO and paid holidays.
- Sabbatical program for eligible roles.
- Summer hours for eligible roles.
- Paid parental leave.
- DEI employee groups.
- Employee recognition and rewards program.
- Charitable matching and a paid volunteer day.
- Bonus may be available as additional compensation.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
