Capital Markets Analyst, Enova
$50-70k
More information about location
3+ days a week in office
AI-driven financial credit provider
Be an early applicant
AI-driven financial credit provider
1001+ employees
Be an early applicant
$50-70k
More information about location
3+ days a week in office
1001+ employees
Company mission
Enova's mission is to help hardworking businesses and individuals get access to fast, trustworthy credit through its AI-driven credit solutions.
Role
Who you are
- Bachelor’s degree or equivalent experience. A successful candidate may have a degree in Business, Finance, Accounting, or Economics, but can also demonstrate an interest in finance through prior work experience
- 0-2 years of relevant experience in finance or data analysis
- Strong problem solving and analytical skills and the ability to work well in groups
- Demonstrates excellent written and oral communication
- Independent and motivated self-starter that can meet deadlines with attention to detail
- Willingness to learn new concepts and skills
- Prior experience in capital markets, treasury, investor relations, securitization, banking, fintech, or lending is a plus
- Proficiency in Excel and PowerPoint
- Familiarity with data analysis tools
What the job involves
- Enova is currently searching for a Capital Markets Analyst that will help implement Enova’s capital markets strategy
- As a key member of Enova’s Treasury team, this person will work with internal and external stakeholders to ensure that existing debt facilities and capital markets transactions run smoothly, assist in the development of new financing to support Enova’s growth, and participate in special projects
- The Capital Markets Analyst will build relationships across the business, develop knowledge and analytical skills associated with corporate finance, and work in a fun and motivated culture!
- Work with a small team to evaluate and execute new debt facilities and capital markets transactions
- Manage the reporting and funding processes for Enova’s consumer and small business loan securitization facilities, including day-to-day operating activities and monthly investor reporting
- Partner with Product, Technology, and Business Intelligence teams to implement operational and reporting requirements of debt facilities and in support of other capital markets initiatives
- Build relationships with existing and potential investors through introductory meetings (phone calls and conferences), roadshows, and due diligence sessions
- Prepare data and analyses related to due diligence requests from investors, rating agencies, and auditors
- Assist in daily cash management and forecasting analyses
- Perform analyses and create financial models and tools that assist in forecasting and monitoring to help drive capital markets intelligence and efficiencies
- Assist in managing the investor relations (IR) systems that support the IR program, including monitoring industry trends and tracking details of communication with existing and prospective investors
Our take
Providing customers with quick access to credit is important for fintech companies to survive in today's financial landscape of open banking, but this is made difficult by high credit rejection rates from banks. However, these decisions are generally made by human assessments of data which are limited due to the complexity of the modern financial landscape. AI-driven solutions, able to analyse vast amounts of data almost instantly to derive accurate credit risk assessments, present room for improvement in the lending industry.
Enova provides a platform called Colossus that leverages AI and machine learning-enabled analytics to provide businesses and individuals with fast, reliable, and trustworthy credit. The company achieves this by partnering with banks and sharing its data analysis solutions, helping to identify opportunities for credit when they would otherwise be missed. There is definitely a market for its product: over 8 million customers have funded almost $50 billion through the platform to date.
Enova has grown strongly in recent years based on the rapid uptake of its product. As the macroeconomic climate remains volatile, businesses will increasingly come to rely on Enova's AI-based solutions to help them manage credit risk and navigate an increasingly complex lending environment.
Steph
Company Specialist at Welcome to the Jungle
Insights
Company
Company benefits
- Hybrid roles entail working in-office from Tuesday to Thursday, with the choice to work remotely on Mondays and Fridays
- 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!
Company values
- Customer first: We listen to our customers’ needs and create products that solve real problems. We deliver beyond expectations, treating our customers the way we want to be treated
- Best answer wins: We believe innovative ideas and solutions can come from anywhere. That’s why we make sure the best answer wins — no matter who it’s coming from.
- Operate as an Owner: The entrepreneurial spirit runs strong at Enova. We encourage team members to think big and move fast and use resources like they’re their own
- Accountable for Results: We’re a data-driven company, and we use that data to add value and create results. We set our expectations high and do what we say we are going to do
- Top Talent and Teamwork: Enova is a place for the best and brightest, from all walks of life and parts of the world. We work in small, focused teams that encourage diversity of thought
Company HQ
Chicago Loop, Chicago, IL
Articles
Leadership
David Fisher
(CEO, not founder)Before joining Enova as CEO, they were the CEO of optionsXpress and CFO at Potbelly Sandwich Works, Prism Financial and RBC Mortgage.
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