Data Scientist - Portfolio

Role overview

Enova International is hiring a Data Scientist to join its Credit Risk Modeling team in Chicago, Illinois. This position focuses on building, improving, and validating models that support both new customer acquisition and the management of the existing loan portfolio. The work sits at the intersection of growth and risk, with an emphasis on using data to make stronger lending decisions and improve offer generation.

The successful candidate will tackle open-ended analytical problems, translate findings into clear recommendations for leadership, and work closely with cross-functional partners to support implementation. The role requires someone who can organize and interpret data effectively, communicate insights to different teams, and help strengthen a core part of the company’s business.

Key responsibilities

• Build and enhance proprietary models used to evaluate customer credit profiles.
• Partner with the Strategy and Operations team to support and launch new initiatives.
• Create and apply A/B testing methods to measure model and product performance, then use the results to drive improvements.
• Present data-backed insights and recommendations to senior leaders on customer risk and product strategy.

Requirements

• A degree in Statistics, Mathematics, Economics, Computer Science, or a closely related discipline.
• At least 3 years of experience in Data Science, Analytics, or a similar area.
• Strong programming ability, including the capacity to build custom tools for analysis and predictive modeling using Python.
• Hands-on experience with relational databases and SQL.
• Solid understanding of applied statistical techniques and machine learning approaches.
• Ability to use AI tools to improve workflow efficiency and delivery speed.
• Strong analytical thinking, independent problem-solving ability, and comfort working in a fast-moving environment.
• Background in financial services, fintech, or a comparable industry is preferred.

Compensation

The annual base salary range for this role is $87,000 to $110,000. Final pay will depend on the candidate’s qualifications, skills, experience, and assessed level, and may be outside the stated range. This role may also include bonus compensation. Full-time employees are eligible for company benefits.

Benefits and perks

• Hybrid work setup with in-office presence Tuesday through Thursday and remote flexibility on Mondays and Fridays.
• Medical, dental, and vision coverage, including mental health benefits.
• 401(k) match with a Roth option for U.S.-based employees.
• Paid time off and company holidays.
• Sabbatical program for eligible positions.
• Summer hours for eligible positions.
• Paid parental leave.
• Employee resource 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, a paid volunteer day, and additional employee benefits.

Eligibility and other information

Applicants must be eligible to work in the United States. Visa sponsorship is not available, and the company cannot take over existing sponsorship at this time.

About the company

Enova International is a financial technology company that delivers online financial services through its AI and machine learning-driven Colossus™ platform. The company serves both non-prime consumers and businesses, and also provides technology and services to traditional banks to help expand access to credit.

Enova emphasizes a values-based culture built around listening to customers, challenging assumptions, thinking big, maintaining high standards, and hiring and developing strong talent. The company also states that it is an equal opportunity employer and makes employment decisions based on qualifications, without regard to protected characteristics under federal, state, or local law. A California privacy notice for job applicants is also referenced.