Asset Liability Management Associate (Hybrid)

Enova International • Chicago, IL

6d • Hybrid

About The Position

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.

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

Nice To Haves

• MBA or CFA a plus

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.

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level