Senior Data Scientist (Hybrid)

About the roleWe are seeking a talented Senior Data Scientist to join our Credit Risk Modeling team. In this role, you will develop, enhance and test our models for use in determining the appropriate lending criteria and verification procedures. You will independently dive into open-ended problems in order to present recommendations to executives and actively manage the pricing and credit models that power Enova’s business. 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.Our models power our lending decisions, providing critical risk insight to enable competitive and profitable loan offers. Your role will be essential in improving and managing this fundamental area of our business.Key responsibilitiesDevelop and refine proprietary models to assess customer credit profileCollaborate closely with the Pricing and Profitability team to leverage profitability models and develop pricing strategiesDesign and implement A/B testing frameworks to evaluate the performance of our models, analyzing outcomes to drive continuous improvementCommunicate insights and recommendations to senior management, providing a data-driven perspective on customer risk and product development strategiesRequirementsDegree in Statistics, Mathematics, Economics, Computer Science, or a related field4+ years of experience in Data Science, Analytics or related fieldAdvanced programming skills and the ability to write customized programs for meaningful data analysis and predictive modeling (Python)Experience working with relational databases, such as SQLExcellent knowledge in applied statistical methods and machine learning modelsStrong problem-solving skills and the ability to work independently in a fast-paced, dynamic environmentExperience in financial services, fintech, or a related industry preferredCompensationThe budgeted annual salary range for this position is$96,000 to $125,000. Actual annual salary will be determined based on qualifications, skills, experience, and level assessed during the hiring process and may fall outside of the range shown. Additional compensation for this role may include a bonus. All full-time employees are eligible to participate in Company benefits, described in more detail here.Our hybrid roles require in-office work Tuesday through Thursday, with remote flexibility on Mondays and Fridays. This schedule fosters collaboration, team connection, and strategic planning, enhancing communication and effectiveness to drive results.Health, dental, and vision insurance including mental health benefits401(k) matching plus a roth option (U.S. Based employees only)PTO & paid holidays offSabbatical program (for eligible roles)Summer hours (for eligible roles)Paid parental leaveDEI 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 programCharitable matching and a paid volunteer day…Plus so much more!About EnovaEnova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossusplatform. We serve non-prime consumers and businesses alike, while offering world-class technology and services to traditional banks—in order to create accessible credit for millions.Being a values-driven organization is at the core of Enova’s success. We live our values by listening to our customers, challenging assumptions, thinking big, setting high expectations, and hiring and developing the best. Through our values and our commitment to making Enova an awesome place to work, we maintain an environment of inclusion and culture where our employees can thrive. You can learn more about Enova’s values and culture here .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. 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Your responses to the questions below, or your decision not to respond to some or all of questions, will be aggregated and anonymous and used for reporting purposes, and will not be: 1) considered in any manner for purposes of evaluating your application for employment, your eligibility for an interview, or in the decision to offer you and employment opportunity with Enova or 2) shared with the individual or individuals making any selection decision.How would you describe your gender identity? (mark all that apply) Select...How would you describe your racial/ethnic background? (mark all that apply) Select...How would you describe your sexual orientation? (mark all that apply) Select...Do you identify as transgender? Select...Do you have a disability or chronic condition (physical, visual, auditory, cognitive, mental, emotional, or other) that substantially limits one or more of your major life activities, including mobility, communication (seeing, hearing, speaking), and learning? 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Created: 2025-09-17