Lead Data Scientist

Enova International

. Develop, deploy, and monitor models and pattern-recognition algorithms to detect emerging and shifting fraud trends across lending products .

Posted 10/26/2026full-timeChicago • Illinois • United StatesSenior💰 $106,000 - $140,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in developing and deploying fraud detection models using advanced Python and SQL, with a strong focus on analytics and applied machine learning. Proven ability to translate analytical findings into actionable business strategies while managing team dynamics and collaborating with cross-functional partners.

Highest-signal resume keywords

Advanced PythonSQL QueryingFraud AnalyticsApplied Machine LearningLeadership Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Data AnalysisPredictive ModelingPattern-Recognition AlgorithmsRisk ModelingModel DeploymentAd Hoc AnalysisFraud StrategyFeature RefinementOperational StrategiesAI Applications

Soft Skills

CommunicationMentoringTeam CoordinationStakeholder EngagementProblem-Solving

Industry Keywords

FintechLendingFraud PreventionFraud RiskTransactional Data

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Develop, deploy, and monitor models and pattern-recognition algorithms to detect emerging and shifting fraud trends across lending products
Write customized Python programs for data analysis and predictive modeling
Query large, complex datasets in SQL
Partner with Fraud Operations through the full detection loop and incorporate investigation results to refine features and reduce false positives and negatives
Conduct ad hoc analysis to scope new or changing fraud trends
Recommend risk, verification, and operational strategies
Communicate findings to cross-functional partners, provide requirements, and support implementation
Improve underwriting and verification processes from a fraud-risk perspective
Apply AI in production applications to streamline fraud prevention
Manage team members and coordinate their work with business priorities

Requirements

What you’ll need

5+ years of experience in analytics, applied machine learning, or quantitative modeling
Hands-on fraud experience required — fraud analytics, fraud strategy, or risk modeling, ideally in fintech or lending
Advanced Python and SQL
Experience owning models end-to-end, from design through deployment and monitoring, on large-scale transactional data
Track record of translating analysis into business strategy and communicating with senior stakeholders
Previous leadership experience mentoring teammates, driving team initiatives, and shaping priorities
Eligible to work in the United States
Enova is not able to sponsor visas or take over sponsorship at this time

Benefits

Comp & perks

Additional compensation may include a bonus
Medical, dental, and vision insurance including mental health benefits
401(k) matching plus a Roth option (U.S. Based employees only)
PTO and 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
Remote flexibility on Mondays and Fridays for hybrid roles