Lead Data Scientist (Fraud)

Join Enova, a leading fintech company, as a Lead Data Scientist on our Fraud Analytics team. In this role, you will develop and enhance models and algorithms to detect emerging fraud trends, work closely with our Fraud Operations team, and conduct ad hoc analysis on large datasets. You will also help improve underwriting and verification processes from a fraud-risk perspective and apply AI in production applications to streamline fraud prevention processes. This is a hybrid role with in-office work required Tuesday through Thursday and remote flexibility on Mondays and Fridays.

• Develop, enhance, and test models and pattern-recognition pipelines to detect emerging fraud trends.
• Collaborate closely with the Fraud Operations team to refine features and reduce false positives/negatives.
• Conduct ad hoc analysis on large datasets to scope new or changing fraud trends and recommend strategies.
• Hands-on fraud experience required — fraud analytics, fraud strategy, or risk modeling, ideally in fintech or lending
• Previous leadership experience mentoring teammates, driving team initiatives, and shaping priorities
• 5+ years of experience in analytics, applied machine learning, or quantitative modeling
• Advanced Python and SQL; experience owning models end-to-end — design through deployment and monitoring — on large-scale transactional data
• Track record of translating analysis into business strategy and communicating with senior stakeholders