Hybrid Lead, Lending Operations – Partnerships

at Enova International

• Job title: Lead, Lending Operations – Partnerships
• Job type: Full Time
• Experience level: Senior
• Salary: $85,000 - $130,000 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, New York City, United States

About the role

• Lending Operations Lead at Enova serving as a bridge between sales and external lending partners. Managing loan application processes to streamline operations for small businesses.

Responsibilities

• Loan Processing & Submission Management:
• File Verification & Quality Control: Perform meticulous "desk reviews" of loan applications to ensure all documentation (bank statements, tax returns, credit reports, etc.) is complete and meets specific partner "buy box" requirements.
• Intelligent Lender Matching: Act as a subject matter expert on the credit policies of 8–10 external lending partners, routing files to the lender most likely to fund the specific SMB profile.
• Partner Submission & Liaison: Manage the formal submission process and serve as the primary point of contact for external underwriting teams, resolving issues to drive loans toward approval.
• Pipeline Management: Track files through the sales cycle, providing real-time updates to internal teams and identifying bottlenecks to maintain high pull-through rates.
• Stakeholder Collaboration & Knowledge Management:
• Lender Requirement Advocacy: Translate complex lender criteria into clear internal "buy boxes" and training materials for Sales and Product teams.
• Standardized Knowledge Hub: Maintain a real-time "Lender Playbook" and repository (within Salesforce or a shared workspace) to ensure internal teams have access to current guidelines, pricing, and protocols.
• Market Insight Briefings: Lead regular "Marketplace Rhythms" to update stakeholders on partner performance, submission quality trends, and shifts in the competitive landscape.
• Strategic Analysis & Trend Identification:
• Trend Identification & Reporting: Monitor and report on shifts in external lender behavior, such as changes in interest rates, credit appetite, or new alternative data requirements (e.g., shifts toward real-time cash flow or digital adoption metrics).
• Feedback Loop Management: Analyze data from rejected files to identify underserved SMB segments, providing insights to the Product team to influence future partnership scouting and product development.
• Standardized Knowledge Hub: Maintain a centralized, real-time "Lender Playbook" within Salesforce or a shared workspace (like Miro or a modern Intranet), ensuring all internal teams have access to up-to-date partnership intelligence.

Requirements

• Demonstrated experience in commercial or consumer loan processing, documentation, or underwriting practices.
• Ability to evaluate balance sheets, income statements, and tax returns to assess the financial health and eligibility of an SMB.
• High comfort level with Loan Origination Systems (LOS), CRM platforms (Salesforce), and advanced Microsoft Excel skills for data entry and tracking.
• Exceptional organizational skills with a focus on accuracy in data verification and file integrity.
• Strong verbal and written communication skills to advocate for files with partner underwriters and collaborate with high-energy sales teams.
• Proven ability to learn new credit policies quickly and adapt to changing partner requirements in a fast-paced environment.

Benefits

• 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!