Enova International

Lead, Lending Operations – Partnerships

Enova International

full-time

Posted on:

Location Type: Hybrid

Location: New York City • New York • United States

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Salary

💰 $85,000 - $130,000 per year

Job Level

Senior

About the role

  • Loan Processing & Submission Management:
  • File Verification & Quality Control: Perform meticulous "desk reviews" of loan applications to ensure all documentation (bank statements, tax returns, credit reports, etc.) is complete and meets specific partner "buy box" requirements.
  • Intelligent Lender Matching: Act as a subject matter expert on the credit policies of 8–10 external lending partners, routing files to the lender most likely to fund the specific SMB profile.
  • Partner Submission & Liaison: Manage the formal submission process and serve as the primary point of contact for external underwriting teams, resolving issues to drive loans toward approval.
  • Pipeline Management: Track files through the sales cycle, providing real-time updates to internal teams and identifying bottlenecks to maintain high pull-through rates.
  • Stakeholder Collaboration & Knowledge Management:
  • Lender Requirement Advocacy: Translate complex lender criteria into clear internal "buy boxes" and training materials for Sales and Product teams.
  • Standardized Knowledge Hub: Maintain a real-time "Lender Playbook" and repository (within Salesforce or a shared workspace) to ensure internal teams have access to current guidelines, pricing, and protocols.
  • Market Insight Briefings: Lead regular "Marketplace Rhythms" to update stakeholders on partner performance, submission quality trends, and shifts in the competitive landscape.
  • Strategic Analysis & Trend Identification:
  • Trend Identification & Reporting: Monitor and report on shifts in external lender behavior, such as changes in interest rates, credit appetite, or new alternative data requirements (e.g., shifts toward real-time cash flow or digital adoption metrics).
  • Feedback Loop Management: Analyze data from rejected files to identify underserved SMB segments, providing insights to the Product team to influence future partnership scouting and product development.
  • Standardized Knowledge Hub: Maintain a centralized, real-time "Lender Playbook" within Salesforce or a shared workspace (like Miro or a modern Intranet), ensuring all internal teams have access to up-to-date partnership intelligence.

Requirements

  • Demonstrated experience in commercial or consumer loan processing, documentation, or underwriting practices.
  • Ability to evaluate balance sheets, income statements, and tax returns to assess the financial health and eligibility of an SMB.
  • High comfort level with Loan Origination Systems (LOS), CRM platforms (Salesforce), and advanced Microsoft Excel skills for data entry and tracking.
  • Exceptional organizational skills with a focus on accuracy in data verification and file integrity.
  • Strong verbal and written communication skills to advocate for files with partner underwriters and collaborate with high-energy sales teams.
  • Proven ability to learn new credit policies quickly and adapt to changing partner requirements in a fast-paced environment.
Benefits
  • 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!
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
loan processingdocumentationunderwriting practicesbalance sheet evaluationincome statement evaluationtax return assessmentdata verificationfile integritycredit policy adaptationtrend identification
Soft Skills
organizational skillsverbal communicationwritten communicationcollaborationadvocacyproblem-solvingattention to detailadaptabilitystakeholder managementstrategic analysis