Data Scientist - Portfolio Consumer (Hybrid)

Enova International is hiring a Data Scientist for the Credit Risk Modeling team to build and improve models that balance customer portfolio management with growth.

Responsibilities

• Develop and refine proprietary models used to assess customer credit profiles
• Work closely with the Strategy and Operations team to support and deliver new initiatives
• Design and implement A/B testing frameworks to measure model performance
• Analyze A/B testing outcomes and apply learnings to continuously improve credit and risk models
• Communicate insights and recommendations to senior management with a data-driven view of customer risk and product development strategies
• Independently tackle open-ended problems and present recommendations to executives
• Help manage pricing and credit models that support Enova’s business
• Interpret and organize data, then communicate findings clearly to cross-functional teams to support requirements and implementation
• Support business decisions where models provide risk insight for competitive and profitable loan offers

Requirements

• Degree in Statistics, Mathematics, Economics, Computer Science, or a related field
• 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 (Python)
• Experience with relational databases (SQL)
• Strong applied statistical methods knowledge and experience with machine learning models
• Strong problem-solving skills and ability to work independently in a fast-paced, dynamic environment
• Experience in financial services, fintech, or a related industry preferred

Technologies

• Python
• SQL
• A/B testing

Location & Work Style

• Chicago, IL (hybrid)
• In-office requirement: Tuesday through Thursday
• Remote flexibility: Mondays and Fridays

Compensation

• Annual salary range: $87,000 - $110,000
• Final compensation determined based on qualifications, skills, experience, and level assessed during hiring; may fall outside the posted range
• Additional compensation may include a bonus
• All full-time employees are eligible to participate in Company benefits

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
• 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