Data Scientist - Portfolio Consumer (Hybrid)
About The Position
Enova International 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, support growth, and balance risk. The Data Scientist independently investigates open-ended problems, presents recommendations to executives, and actively manages the pricing and credit models that power Enova’s business. The position also involves interpreting and organizing data, communicating it effectively across functions, and supporting business problem-solving, requirements, and implementation. The models support lending decisions by providing risk insights for competitive and profitable loan offers. This role contributes to improving and managing that core business capability. It is a hybrid position requiring in-office work Tuesday through Thursday, with remote flexibility Monday and Friday.
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 meaningful 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 ability to work independently in a fast-paced, dynamic environment.
- Eligibility to work in the United States; visa sponsorship or transfer of sponsorship 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.
- Interpret and organize data, communicate findings across 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.
- 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.
- Additional compensation may include a bonus.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
