Full-Time
Lead Financial Analyst
Posted on 7/2/2025
Enova
1,001-5,000 employees
ML-powered online lending platform
Compensation Overview
$75.6k - $109.2k/yr
No H1B Sponsorship
Chicago, IL, USA
Hybrid
Hybrid role requiring in-office Tue–Thu; remote Mon and Fri.
 Finance & Banking (1) |
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- Bachelor’s degree in Finance, Accounting, Economics, or a related field from a top-tier undergraduate program
- 7+ years of progressive FP&A experience, with a strong focus on end-to-end P&L management and strategic business support
- Advanced proficiency in Excel and financial modeling, with a deep understanding of integrated financial statements and scenario analysis
- Proven ability to take full ownership of complex financial initiatives, managing multiple high-impact projects under tight deadlines with precision and accountability
- Strong cross-functional leadership skills, with a track record of partnering across teams to translate complex financial data into actionable business insights
- Skilled at simplifying ambiguity into structured financial frameworks and influencing key stakeholders through clear, data-driven recommendations
- Lead financial planning and analysis for Small Business Lending, including forecasting, budgeting, and performance tracking, ensuring alignment with overall corporate strategy
- Partner closely with Small Business Lending leadership to assess and guide the cost structure, evaluating staffing and operational investments to support product growth and profitability
- Support capital allocation decisions by evaluating return on investment for new products, partnerships, and technology initiatives within the small business space
- 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 Small Business Lending performance, priorities, and market position to internal stakeholders and external investors
- Experience with enterprise financial systems such as Vena Solutions and Workday Finance strongly preferred
Enova is a financial technology company that provides online lending options for non-prime consumers and small businesses. It uses a machine learning-powered platform to evaluate credit risk and manage loans, enabling fast and accessible credit beyond traditional banks. Its products include personal loans, small business loans, and lines of credit, which are funded directly and in partnership with traditional banks that use Enova’s technology to extend credit to more customers. This approach helps people and small businesses that are often underserved by banks stay financially supported. Enova differentiates itself by focusing on underserved borrowers, using data-driven credit decisions, and maintaining a diversified revenue mix from interest and fees. Its goal is to expand access to trustworthy credit, helping customers cover emergencies and grow their businesses while collaborating with banks to widen lending options.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
Chicago, Illinois
Founded
2004
Simplify's Take
What believers are saying
- Small business originations surged 42% to $1.7 billion in Q1 2026.
- Grasshopper Bank acquisition closes H2 2026, yielding $125-220 million synergies.
- Portfolio grew 28% to $5.3 billion, driving record $875 million revenue.
What critics are saying
- CFPB caps APRs above 36%, slashing consumer revenue 20-30% within 6-12 months.
- FDIC rejects Grasshopper acquisition due to 8.3% charge-offs in 3-6 months.
- Upstart erodes small business share, flattening 42% growth in 12-18 months.
What makes Enova unique
- Colossus™ platform analyzes 65 terabytes of data from 15 million customers.
- OnDeck and The Business Backer target small business merchant cash advances.
- Serves non-prime consumers and businesses rejected by traditional banks.
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Benefits
Advance your career - We have a dedicated training team focused on giving you the tools you need to succeed within your department, within the company and in your career. The focus starts day one with a robust onboarding program and continues throughout your career at Enova.
See the benefits - Full-time employees receive medical, dental and vision benefits; matching 401(k); PTO; commuter benefits; flexible spending accounts for health care and dependent daycare; and more!
Be recognized - There’s plenty of room for both lateral and upward movement here at Enova. We’re always interested in promoting from within, and we keep a lookout for top talent who are ready to advance.
Get your perks - Full-time employees can receive tuition reimbursement, one-month paid sabbatical after four years, discounted massages, manicures and other perks.
Give back - We work throughout the year to partner with local charities and assist our neighbors in need. We also offer a charitable match program — allowing team members to double their impact when they donate money to charity.
Have fun - We like challenges here; maybe that’s why we have so many games, competitions and outings. There are a number of ways you can scratch your competitive itch and have fun!
Growth & Insights and Company News
6 month growth
↑ 0%1 year growth
↑ 0%2 year growth
↑ 0%Enova International, an online lender providing financial services to non-prime consumers and small businesses in the US and Brazil, has seen its stock price surge 369% since February 2021, significantly outperforming the S&P 500's 77.9% gain over the same period. The company currently trades at $147.65, up 23.3% over the past six months following strong quarterly results. Enova has demonstrated solid fundamentals with 23.8% annualised revenue growth over five years and EPS growth of 12.3% annually. Its book value per share increased 16.1% annually over the last five years. Founded in 2004, Enova operates with over 65 terabytes of customer behaviour data. The stock currently trades at 9.2× forward price-to-earnings ratio.
Enova reported fourth-quarter results driven by strong growth in small business and consumer lending, with revenue of $839.4 million and adjusted earnings per share of $3.46, beating analyst estimates. CEO Steven Cunningham attributed the performance to robust originations and stable credit quality supported by low unemployment and positive wage growth. Key analyst questions focused on consumer loan acceleration during tax refund season, the expected origination mix between business and consumer lending, and regulatory implications of the Grasshopper Bank acquisition. Cunningham noted the bank charter would enable geographic expansion into states like California and Pennsylvania. Management addressed potential regulatory changes, including rate caps, stating Enova could benefit if traditional credit becomes less available. The company maintains flexibility in responding to market demand whilst initial post-acquisition focus remains on new opportunities rather than increased buybacks.
Enova has reported strong fourth-quarter results, with originations rising 32% year-over-year to $2.3 billion and adjusted earnings per share growing 33%. The company's portfolio reached a record $4.9 billion, marking 23% annual growth. For the full year 2025, originations increased 27%, revenue grew nearly 20%, and adjusted EPS surged 42%. Small business products represented 68% of the portfolio, whilst consumer products accounted for 32%. The consolidated net charge-off ratio of 8.3% declined both sequentially and year-over-year. Steve Cunningham assumed the CEO role on 1 January, with David Fisher transitioning to executive chairman. The company expects to close its acquisition of Grasshopper Bank during the second half of 2026, anticipating net synergies to boost adjusted net income by $125 million to $220 million annually.
Enova International reported strong fourth-quarter results, with revenue reaching $839 million, up 15% year over year, and originations growing 32% to $2.3 billion. The company's portfolio expanded 23% to a record $4.9 billion, driven by robust demand and solid credit performance. Small business revenue surged 34% to $383 million, whilst consumer revenue rose 3% to $446 million. Adjusted earnings per share increased 33% to $3.46, and adjusted EBITDA grew 21% to $211 million. The net charge-off ratio improved to 8.3%. Enova's pending acquisition of Grasshopper Bank is projected to boost adjusted net income by $125 million to $220 million annually within two years post-closing. The company maintained liquidity of $1.1 billion, with cost of funds declining to 8.3% from 8.6% in the previous quarter.
Enova International, a financial technology company, reported fourth-quarter revenue of $501.9 million, missing analyst estimates of $838.1 million by 40.1%. Revenue declined 31.2% year on year. The company beat earnings expectations with adjusted earnings per share of $3.46, 9.1% above the $3.17 consensus. Pre-tax profit reached $98.78 million with a 19.7% margin. Despite the quarterly miss, Enova has demonstrated strong long-term performance with a 21% compound annual growth rate over five years. However, its two-year annualised revenue growth of 15.3% indicates some recent slowdown. The stock fell 2.6% to $153.51 following the announcement. Enova, which pioneered online lending in 2004, provides financial services to non-prime consumers and small businesses in the US and Brazil.