Hard working people need access to fast, trust-worthy credit and Enova uses advanced technology and analytics to provide that to them. With a focus on non-prime customers and small businesses, we’ve served over 5 millions customers through our six businesses in the US and abroad. We’re born and raised in Chicago and we pride ourselves on hiring smart, driven people who like solving challenging business problems. Our philosophy is simple, “Life’s short. Work some place awesome.”
Many of us consider our people to be Enova’s best perk. We have 1,500+ employees and your teammates are as passionate about their work as you are. Your manager and team will encourage you to think outside the box and will celebrate your wins with you along the way. We’re big on career growth and make sure you have the tools you need to succeed. On top of that, we also offer competitive salaries, health care benefits, a 401k matching plan, summer hours, tuition reimbursement and a sabbatical program. Our Chicago headquarters even offers over 100 different kinds of snacks, a game room, onsite massages/barbers/nail technicians, and a variety of different social events.
What you'll be doing:
Fraud is something we encounter on a regular basis and, as a Senior Fraud Analyst, you will be one of Enova’s most valuable resources. You will develop, enhance and test the company’s rules, models and operational processes for use in determining the appropriate lending criteria and verification procedures, specifically related to preventing fraud. You may be asked to conduct ad hoc analysis using statistical and financial tools to recommend fraud prevention strategies. You will demonstrate the ability to interpret and organize data, and communicate it effectively to cross functional teams to solve business problems, provide requirements and support implementation. You will work with senior management to develop key performance indicators (KPI's) to ensure that our fraud prevention schemes are performing optimally and communicating insights through both presentations and write-ups of results and recommendations.
What you should have:
- A Bachelor's degree, Master’s or PhD in a quantitative field
- 3-7 years of experience in analytics or related field
- 2+ years of experience using statistical and/or machine learning models focused on fraud
- Advanced programming skills in Python, R or similar language and the ability to write customized programs for meaningful data analysis
- Experience working with relational databases, such as SQL
- Knowledge of statistical/predictive modeling
Analytics Team Overview:
Enova's Analytics team consists of over 70 quantitative professionals dedicated to using the latest cutting-edge techniques to drive business value. We are a shared service for the entire company and operate in four core Analytics workgroups:
- Portfolio Analytics – This team focuses on building cutting edge risk, pricing, and underwriting models to optimize our lending decisions by using advanced modeling and simulation techniques to optimize the performance of our loan products and operations.
- Fraud Analytics – Analysts on the fraud team use advanced data mining techniques to identify and fight online fraud.
- Marketing Analytics – The Marketing Analytics team is focused on applying statistical analysis and predictive modeling to help our marketing teams acquire and retain more valuable customers.
- Research, Architecture and Platforms - The RAP team builds and maintains all of our technical tools and platforms. They help investigate new analytics methodologies, use cases, and data sources, to institute new and best practices within the department.
At Enova we have a company-wide culture that emphasizes data-driven analysis. That means you spend less time presenting and more time with the fun part, crunching data. We are language agnostic, but primarily use Python, R, SAS, SQL and Mathematica. That means YOU get to pick the tool that works best for you and the analysis at hand.
Our goal at Enova is to recruit, hire, develop and maintain a diverse workforce. It is our policy to provide equal employment opportunity for all persons and not discriminate in employment decisions by placing the most qualified person in each job, without regard to any other classification protected by federal, state, or local law.