Data Scientist - Portfolio Consumer (Hybrid)

Enova•Chicago, IL

6d•Hybrid

About The Position

Enova is seeking a Data Scientist to join its Credit Risk Modeling team. The role develops, enhances, and tests models used to manage the existing customer portfolio, identify growth opportunities, and balance risk. The Data Scientist independently investigates open-ended problems, presents recommendations to executives, and actively manages the pricing and credit models that support Enova’s business. The role interprets and organizes data and communicates findings to cross-functional teams to solve business problems, provide requirements, and support implementation. These models inform lending decisions and help enable competitive, profitable loan offers. The position is hybrid, with required in-office work Tuesday through Thursday and remote flexibility on Mondays and Fridays. Candidates must be eligible to work in the United States; visa sponsorship and sponsorship transfers are not available.

Requirements

Degree in Statistics, Mathematics, Economics, Computer Science, or a related field.
At least 3 years of experience in Data Science, Analytics, or a related field.
Advanced programming skills, including the ability to write customized programs for data analysis and predictive modeling using Python.
Experience working with relational databases such as SQL.
Excellent knowledge of applied statistical methods and machine learning models.
Strong problem-solving skills and the ability to work independently in a fast-paced, dynamic environment.
Eligibility to work in the United States; visa sponsorship or sponsorship transfer is not available.

Nice To Haves

Experience in financial services, fintech, or a related industry.

Responsibilities

Develop and refine proprietary models to assess customer credit profiles.
Collaborate with the Strategy and Operations team to drive new initiatives.
Design and implement A/B testing frameworks to evaluate model performance, and analyze outcomes to drive continuous improvement.
Communicate insights and recommendations to senior management, providing a data-driven perspective on customer risk and product development strategies.
Actively manage pricing and credit models and present recommendations on open-ended business problems.
Interpret and organize data, communicate it to cross-functional teams, provide requirements, and support implementation.

Benefits

Health, dental, and vision insurance, including mental health benefits.
401(k) matching with a Roth option for U.S.-based employees.
Paid time off and paid holidays.
Sabbatical program for eligible roles.
Summer hours for eligible roles.
Paid parental leave.
DEI groups, including 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.
Additional compensation may include a bonus.