Enova International

Collections

• Complete a comprehensive 4-week training program and specialize in one brand
• Conduct outbound calls to customers with overdue accounts to discuss payment status and negotiate payment arrangements
• Manage and collect overdue payments through proactive outreach
• Maintain accurate and detailed records of all collection activities and customer interactions in Enova’s CRM system
• Identify and address account discrepancies or issues that may impact payment collection
• Collaborate with the collections team to develop and implement effective collection strategies and procedures
• Ensure compliance with federal, state, and local collection regulations and company policies
• Provide exceptional customer service while handling sensitive financial information and maintaining professionalism

Outbound Collections Representative

• Specialize in one brand through a comprehensive 4-week training program
• Reach out to customers, identify solutions, and assist them in maintaining consistent loan payments
• Efficiently manage both incoming and outgoing calls to address customers with overdue loan payments
• Work with customers to find solutions for overdue accounts, negotiate payment plans, and facilitate arrangements for bringing accounts up to date
• Address customer concerns and resolve issues related to overdue payments, demonstrating empathy and professionalism
• Maintain effective communication with customers, explaining the consequences of overdue payments and providing assistance in resolving financial issues
• Update and maintain accurate records of customer interactions, payment arrangements, and any other relevant information in Enova's database

Collections Representative

Customer Support

• Answer inbound calls from customers to answer and service any questions they may have
• Handle all customer inquiries, requests, and thoroughly educate them on our products and services
• Provide quality support in the areas of processing payments, creating payment plans, and other account related tasks to ensure a positive customer experience
• Communicate clearly and professionally with all customers, co-worker, supervisors and management
• Maintain accurate, up-to-date information for customer accounts

Customer Service Representative

Manager

• Support the P&L Leader in developing a comprehensive product line strategy and collaborating with our marketing, operations, finance and other teams to ensure its execution.
• Assist in managing the risk associated with consumer businesses, including credit underwriting, fraud prevention, and portfolio management
• Analyze market trends, customer needs, and competitor activities to identify areas for revenue growth and develop actionable plans.
• Drive initiatives to foster a culture of compliance, establish clear policies and procedures, and implement effective monitoring and auditing.
• Participate in financial forecasting and budgeting to ensure accurate financial planning and provide insights for strategic decision-making.
• Monitor and analyze key performance indicators (KPIs) for our operations team and financial metrics to track business performance, identify trends, and implement corrective actions when necessary.
• Collaborate with the P&L Leader in leading and mentoring a team, providing guidance, performance feedback, and fostering a culture of continuous improvement.
• Strong communication skills with the ability to present to and influence senior level stakeholders by storytelling through data that effectively communicates strategic operations solutions

Senior Manager, Strategy and Operations

• Become an expert in one particular brand over the course of a 4 week training program
• Provide superior customer service and a positive experience to customers
• Answer inbound calls from customers to answer and service any questions they may have
• Handle all customer inquiries, requests, and thoroughly educate them on our products and services
• Provide quality support in the areas of processing payments, creating payment plans, and other account related tasks
• Communicate clearly and professionally with customers, co-workers, supervisors and management
• Maintain accurate, up-to-date information for customer accounts
• Reports to Section Manager

Data Scientist

• Develop and refine proprietary models to assess customer credit profile
• Collaborate closely with the Pricing and Profitability team to leverage profitability models and develop pricing strategies
• 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 strategies

Senior Data Scientist

• Coach and mentor team members to ensure their success and a positive customer experience
• Partner with management in guiding the team towards achieving maximum efficiency and overall effectiveness
• Monitor metrics, performance criteria, policies and procedures to improve representative's productivity
• Assist with one-on-one meetings, weekly meetings, and coaching sessions
• Identify trends and recommend appropriate solutions to improve performance and promote engagement
• Support employee engagement with use of reward and recognition tools
• Collaborate with and help support teams to reach business growth
• Perform additional functions as assigned by direct manager

Small Business Collections Lead

Financial Planning and Analysis

• Lead financial planning and analysis for Consumer Lending, including forecasting, budgeting, and performance tracking, ensuring alignment with overall corporate strategy
• Partner closely with Consumer Lending leadership to assess and guide the cost structure, evaluating staffing and operational initiatives to support product growth and profitability
• Support capital allocation decisions by evaluating return on investment for new products, partnerships, and technology initiatives within the Consumer Lending vertical
• Conduct scenario modeling and long-term planning to help guide pricing strategy, credit risk appetite, and market expansion opportunities
• Deliver actionable insights through robust analyses of portfolio trends, customer behavior, and market dynamics to inform business strategy and drive continuous improvement
• Develop strategic materials that communicate Consumer Lending performance, priorities, and market position to internal stakeholders and external investors

Senior Financial Analyst

Customer Success Manager

• Manage Enova’s long tail ISOs\n• Provide Partner and Customer Support during the sales process by requesting the necessary documents to complete the loan application process\n• Manage and track sales pipelines\n• Input operational and underwriting cases and manage case process until completed\n• Provide coverage for Account Managers by managing their partners requests and opportunities\n• Provide Partner assistance through email, slack messaging and phone calls\n• Educate Partners on updates to product and process\n• Stay up to date with new products, features and policy launches and ensure sales process is in line with updates\n• Learn to be an expert in the OnDeck Operations Sales Process, including loan operations, underwriting/risk, closing and fraud

Outbound Collections Representative

Collections Representative

Customer Service Representative

Senior Manager, Strategy and Operations

Customer Service Representative

Senior Data Scientist

Small Business Collections Lead

Senior Financial Analyst

ISO Success Manager, Hybrid