Requirements
- 8+ years of tangible work experience in consumer or small business lending dealing with credit risk or portfolio management
- MBA from a top tier university is strongly preferred
- Excellent written and oral communication skills
- High energy, team player, creative thinker, and strategic influencer
- Demonstrated experience in working with broad cross-functional teams
- Maturity and good judgment. Skilled in negotiating, influencing and leading others, analytical thinking, and executing and implementing projects
- Experience owning or contributing to projects that materially impacted business performance (e.g., revenue generation, cost savings, or process optimization)
- Strong analytical problem-solving skills with experience using data to drive business decisions (SQL or similar tools are a plus, but not required)
- Demonstrated ability to connect work to P&L impact, including evaluating tradeoffs between revenue growth, cost, and customer experience
What the job involves
- As a Strategy & Operations Manager, you will act as a key operator supporting one of Enova’s lending portfolios across our Consumer or Small Business businesses—owning high-impact initiatives that drive growth, improve performance, and enhance the customer experience
- In this role, you’ll tackle ambiguous business problems by analyzing data, identifying opportunities, and driving solutions from idea through execution
- Projects range from quick-turn process improvements (e.g. ,optimizing contact center campaigns) to longer-term strategic initiatives like launching new features or refining credit and product strategies
- You’ll work cross-functionally and have direct visibility into how your work impacts the business, including key performance metrics and overall portfolio profitability
- Our team combines the resources of a scaled business with the agility of a smaller team—giving you the autonomy to make a meaningful, measurable impact
- Manage initiatives that focus on customer acquisition, loan servicing, portfolio management, and legal and compliance
- Serve as a leader of the S&O team and be responsible for driving high impact projects
- Be a strategic partner to business heads and help lead sessions around strategy planning, resource allocation, and executive reporting
- Anticipate bottlenecks, provide thought leadership for problem solving, prioritize and execute projects, balance business needs vs. technical constraints, and drive bottom line results
- Assess risks and recommend product and policy changes that allow Enova to remain the market leader in Consumer/SMB lending
- Identify and size opportunities across the customer journey, product experience, and operational workflows, and build data-driven business cases to support proposed changes
- Partner cross-functionally with Product, Marketing, Risk, and Operations to design and implement solutions, including testing, modeling impact, and iterating based on results
- Support P&L-driven decision making by evaluating how initiatives impact revenue, costs, and overall portfolio performance
- Develop and refine prioritization strategies and allocation models (e.g., lead routing, campaign optimization) to improve efficiency and outcomes