Data Scientist - Portfolio Consumer (Hybrid)

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Description

We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas or take over sponsorship at this time. About the role We are seeking a talented Data Scientist to join our Credit Risk Modeling team. In this role, you will develop, enhance and test our models for use in managing our existing customer portfolio and determining ways to drive growth while balancing risk. 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 responsibilities Develop and refine proprietary models to assess customer credit profile Collaborate closely with the Strategy and Operations team to drive new initiatives Design and implement A/B testing frameworks to evaluate the performance of our models, analyzing outcomes to drive continuous improvement Communicate insights and recommendations to senior management, providing a data-driven perspective on customer risk and product development strateg

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