Enova International

Own core application features from implementation to deployment while collaborating cross-functionally in an Agile environment. | Requires 2+ years experience with Java, Python, or Go, frontend TypeScript and React experience, a bachelor's degree, and strong SQL fundamentals. | 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: At Enova we listen to our customers' needs, we believe the best answer wins, we believe in operating as owners, we hold ourselves accountable for results, and we believe Enova is a place for the best and brightest. As a Software Engineer, you'll: Take ownership of core features within your application's lifecycle, delivering high-quality code from implementation to deployment. Collaborate with your team to identify and execute the best technical answers to complex problems. Propose creative ideas, learn from senior peers, and actively participate in code reviews. Work closely with product and engineering team members to understand and implement business requirements. Actively participate in the ongoing evolution of Enova's products and services. Work within multi-disciplined teams in an Agile environment. Our most successful Software Engineers are adaptable, eager to learn, and able to tackle a variety of tasks—from writing clean backend services and debugging production issues to pairing with teammates to unblock complex tasks. What you should have: 2+ years of professional experience building and deploying software using Java, Python, or Go, with TypeScript and React for frontend development. Strong understanding of SQL and database fundamentals, including schema design, indexes, migrations, and query optimization. Experience building API integrations and working within microservices or event-driven architectures. Interest in developing across the full stack, with experience building both frontend and backend applications. Strong coding, debugging, and troubleshooting skills, with a focus on clean, maintainable, and scalable solutions. Ability to manage priorities across multiple projects and thrive in a fast-paced environment. Experience using AI tools to enhance software development workflows, with sound judgment in their application. Strong communication and collaboration skills, with the ability to work effectively across technical and cross-functional teams. Willingness to participate in an on-call rotation. Bachelor's degree in Computer Science, Engineering, or equivalent practical experience, with a passion for continuous learning and growth. Nice to have: Familiarity with testing practices and frameworks (unit, integration, etc.). Active contribution to multiple SDLC phases (development, testing, and release). Experience with Containers such as Docker or Kubernetes. Basic familiarity with cloud platforms, specifically AWS. Exposure to Infrastructure as Code tools like Terraform. Experience with non-relational databases and/or graph databases. Open-source contributions or a GitHub profile you’d like to share! Compensation: This position includes various levels within our career ladder. The actual annual salary will be determined based on qualifications, skills, experience, and level assessed during the hiring process and may fall outside of the ranges shown. Budgeted annual salary ranges: Software Engineer I: $68,000 - $90,000 Software Engineer II: $84,000 - $110,000 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. Benefits & Perks: 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 benefits 401(k) matching plus a roth option (U.S. Based employees only) PTO & paid holidays off 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…Plus so much more! About Enova Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossus™platform. 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. California Applicants: Click here to review our California Privacy Policy for Job Applicants.

Support business operations by managing customer remediations, compliance monitoring, and cross-functional collaboration to resolve operational issues. | Requires 5+ years project management experience, regulatory compliance knowledge, and strong analytical skills with familiarity in SQL and Excel. | 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: As a Business Operations Associate within the CashNetUSA business unit, you will play a vital role in supporting one of Enova's core businesses. Your responsibilities will be monitoring and supervision across our diverse product portfolio, planning and executing customer remediations, and addressing unique regulatory and business requirements in various states. You'll collaborate cross-functionally to align business and compliance needs, proactively identify and prevent customer incidents, and contribute to customer remediation efforts. Responsibilities: • Scope, plan, and execute end to end customer remediations due to system issues with an emphasis on root cause investigation, system fix implementation, redress action planning, and data analysis in a cross functional collaborative setting • Take full ownership of the issue management lifecycle; ensure that gaps are not just flagged, but pursued until a permanent fix is implemented and tested • Demonstrate a results-driven mentality by independently coming up with opportunities, validating hypotheses with stakeholders, and driving cross-functional solutions into reality • Proactively identify production or compliance exceptions, assess their impact on the business and customers, and resolve them or escalate to the management team as necessary. • Gain expertise in product offerings, brand, state compliance matrix, transactional logic, and funding/payment processes, and document this knowledge. • Utilize your subject matter expertise to create and manage processes and monitoring systems that ensure compliance with internal and regulatory guidelines for products, technology, and processes. • Analyze customer complaint data to identify trends, develop recommendations, and support the implementation of process improvements based on these insights. • Assist with ad hoc data requests related to external and third-party business audits. Requirements: • Bachelor's degree in Business, Finance, Economics, Engineering or a related field • 5+ years of project management experience executing initiatives from start to finish, including managing cross-functional stakeholders and authoring detailed business documentation • 3+ years resolving audit findings and operational issues by integrating federal and state regulations into corrective action plans, updated policies, and system improvements • Familiarity with SQL and Excel • Strong analytical and problem-solving abilities • Ability to collaborate effectively in both team and independent settings • Excellent written and verbal communication skills • Familiarity with tools such as Microstrategy, Grafana, and other monitoring dashboards is a plus Compensation • The budgeted annual salary range for this position is $72,000 - $104,000. 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. #BI-Hybrid Benefits & Perks: • 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 benefits • 401(k) matching plus a roth option (U.S. Based employees only) • PTO & paid holidays off • 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…Plus so much more! About Enova Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossus™platform. 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. California Applicants: Click here to review our California Privacy Policy for Job Applicants.

Develop and implement multi-channel marketing campaigns, manage customer lifecycle communications, analyze campaign performance, and collaborate cross-functionally to optimize marketing strategies. | 2-8 years marketing or business experience, strong analytical and SQL skills, CRM and database management expertise (Oracle Responsys preferred), ability to lead projects and collaborate across teams. | Enova’s hybrid work model allows employees to work in the office T, W, and TH with the option to work from home on Monday and Friday. About the role: As a Marketing Senior Specialist, you will be responsible for supporting and integrating our portfolio strategy across multiple marketing mediums. You will partner closely with internal departments and external vendors to drive new initiatives and optimize ongoing communications. You will also have the opportunity to lead high-visibility projects, propose process improvements, and test new marketing strategies. Requirements: • Customer Experience - Drive and own the creation of various customer life cycles by identifying the correct types of outreach and their frequencies. Partner with the strategy and operations team to experiment with new products and processes to help grow revenue, maximize returns, and set customers up for success. • Campaign Management – Develop and implement automated direct marketing and email campaigns within a CRM platform to drive lead conversion, improve customer portfolio performance, and support product launches/changes. Identify appropriate customer segments and target them through SQL queries. Develop campaign strategies, manage the creative development process (copy, design, coding), and build multi-touch campaigns. • Reporting & Analytics – Report and monitor segment performance and campaign performance including audience, monthly trends, email metrics and conversion. Report on results and provide insights & recommendations. • Testing Programs – Develop robust A/B and multivariate testing programs to optimize portfolio performance (email, DM, SMS, etc.) • Best Practices – Maintain clean email marketing lists to minimize occurrences of unsubscribes, bounce rates and spam reports. Monitor deliverability, complaint rates, bounce rates and Sender Score rank to reduce risk of being blacklisted. Monitor trends on best practices and techniques to ensure market efficiency and identify new opportunities. • Communicate & Collaborate – Partner with internal departments (Legal & Compliance, Analytics, Creative Services, Business Intelligence, Data Services, and Tech) and marketing team members to execute projects and tests. Responsibilities: • Have strong analytical skills - you’re able to manipulate and analyze data in order to identify trends, segment a customer population through the use of queries, solve problems, and make informed recommendations. Experience developing queries is required (SQL preferred). Experience with Excel, Microstrategy, Tableau or other visualization tools preferred. • Have CRM and database management experience - You’re able to develop, automate and personalize communications via an established CRM platform. Oracle Responsys experience preferred. • Are a demonstrated self starter and problem solver - You’ll be successful in this role if you can think critically to improve processes and discover ways to increase campaign performance that will have a measurable impact on the business. • Can communicate, collaborate and influence - Proven skill in working across multiple and distinct functional organizations (e.g. Strategy & Operations, Analytics, creative teams, vendor partners etc.) in support of specific business priorities. • Are creative and think outside the box - The only constant in our industry is change. You love to brainstorm, generate new ideas, and bring creative, innovative solutions to the challenges our customers face every day. • Are intellectually curious and have a desire to learn • Have 2-8 years of professional experience in a Marketing or Business function (i.e. Strategy, Planning, Operations). • Financial-services experience a plus #BI-Hybrid Benefits & Perks: • Hybrid roles entail working in-office from Tuesday to Thursday, with the choice to work remotely on Mondays and Fridays • Health, dental, and vision insurance including mental health benefits • 401(k) matching plus a roth option (U.S. Based employees only) • PTO & paid holidays off • 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…Plus so much more! About Enova Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossus™platform. 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. California Applicants: Click here to review our California Privacy Policy for Job Applicants.

Lead and grow a lifecycle marketing team to develop and optimize customer engagement strategies across the entire customer journey, collaborating with multiple departments and managing budgets. | Requires 10+ years in lifecycle or loyalty marketing, 4+ years people management, strong analytical and organizational skills, and a bachelor's degree in Marketing or related field. | About the role: Are you interested in working for one of the leading financial technology companies in Chicago? Come join Enova as a marketing leader to support our fast growing consumer brands (CashNetUSA and NetCredit). At Enova, we understand the power of effective lifecycle marketing and how it drives long-term customer relationships and growth. We're looking for a passionate and innovative Lifecycle Marketing Manager who is eager to build and grow our Lifecycle Marketing team to enhance customer engagement throughout their entire journey. Do you thrive on analytics and performance reporting? So do we! Our marketing team uses robust data analysis techniques to generate insights and optimize customer experiences across the entire lifecycle. In this role, you'll collaborate with cross-functional teams-including Product, Technology, Analytics, Creative, Strategy, and Legal-as well as manage relationships with external vendors. Since innovation is key at Enova, we want you to help explore new marketing initiatives, lead process improvements, and continuously optimize customer journeys. If you're passionate about lifecycle marketing, customer experience, and leading a high-performance team, this is the perfect role for you! What You'll Do: • Develop the strategic direction for comprehensive consumer lifecycle strategies, from design and implementation to ongoing maintenance and optimization, supporting engagement and portfolio growth. • Lead a small team of marketers in addition to influencing cross-functional teams to achieve shared goals. • Identify segments for targeted A/B tests, tailored and personalized messaging, and offers to drive business goals. • Develop customer-centric materials, tools, and campaigns that drive awareness, conversion, onboarding, and usage of products and services. • Collaborate with Product, Strategy & Operations, Customer Service, Analytics, and Creative teams to ensure alignment of messaging and touchpoints across the customer journey. • Partner with cross-functional teams to test product features and benefits to drive customer engagement. • Manage the annual budget and quarterly forecasts, identify risks and growth opportunities; monitor performance. • Champion customer insights using qualitative and quantitative data to better understand consumer behaviors and needs, shaping marketing strategies accordingly. • Leverage AI to build scalable processes to enhance the effectiveness and efficiency of lifecycle programs. • Build reports to monitor segment and campaign performance; report on results and provide insights & recommendations. Requirements: • Bachelor's degree in Marketing, Business, or other related/quantitative fields of study. MBA a plus. • 10+ years experience in lifecycle, loyalty marketing, CRM, or a related field, preferably in financial services or digitally focused brands. • 4+ years of people management experience preferred • Ability to think big-picture while executing detail-oriented plans that drive results. • Self-starter who thrives in dynamic, fast-paced environments • Experienced in leading teams through ambiguity, allowing you and your team to pivot seamlessly, embrace change, and uncover opportunities in a dynamic business environment. • Highly analytical with a passion for problem solving • Strong organizational skills and the ability to balance multiple priorities in a results-driven environment. • Skilled at building relationships and gaining alignment on priorities for quick decision making. Compensation: The budgeted annual salary range for this position is $108,000 to $156,000. 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 and restricted stock units. All full-time employees are eligible to participate in Company benefits, described in more detail here. #LI-Hybrid #BI-Hybrid Benefits & Perks: • 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 benefits • 401(k) matching plus a roth option (U.S. Based employees only) • PTO & paid holidays off • 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...Plus so much more! About Enova Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossus™platform. 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. California Applicants: Click here to review our California Privacy Policy for Job Applicants.