Lead, Lending Operations & Partnerships (Hybrid)

Enova International • New York, NY

16h • $85,000 - $130,000 • Hybrid

About The Position

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.

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.

Responsibilities

• 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.
• 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.
• Manage the formal submission process and serve as the primary point of contact for external underwriting teams, resolving issues to drive loans toward approval.
• Track files through the sales cycle, providing real-time updates to internal teams and identifying bottlenecks to maintain high pull-through rates.
• Translate complex lender criteria into clear internal "buy boxes" and training materials for Sales and Product teams.
• 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.
• Lead regular "Marketplace Rhythms" to update stakeholders on partner performance, submission quality trends, and shifts in the competitive landscape.
• 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).
• Analyze data from rejected files to identify underserved SMB segments, providing insights to the Product team to influence future partnership scouting and product development.
• 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.

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
• Education Level: No Education Listed