Head of Credit Card (Hybrid)
enova.com
Reports to: VP Emerging Businesses and Strategic Partnerships
About the role:
We are seeking a highly motivated and experienced individual to lead and grow our recently launched credit card businesses at Enova. As the Head of Credit Card, you will report to a member of Enova’s executive team and be responsible for overseeing two credit card businesses, one which serves small businesses as well as a consumer focused card. You will have full P&L responsibility and accountability for product strategy, portfolio growth, managing risk and overseeing the day to day operation of the business through a dedicated credit card team, shared resources from across Enova and oversight of key external vendors.
Key Responsibilities:
- Develop and execute strategies to grow both credit card businesses, including product innovation, customer acquisition, and retention
- Direct the marketing and sales strategy for both credit card businesses, channel strategy, promotions, cross sell and direct marketing campaigns
- Manage the risk associated with the credit card businesses, including credit underwriting, fraud prevention, and portfolio management
- Partner with compliance and legal teams to ensure adherence to regulatory requirements
- Work with the card servicer and issuing bank(s) to execute on strategic initiatives, compliance policies and ensure a good customer experience
- Provide regular updates to senior executives on the business unit's performance, financial results, and any issues or risks that need to be addressed in order to meet the plan
- Manage the credit card businesses' P&L including accountability for developing and managing to, financial forecasts and key financial metrics
- Develop, lead, mentor, and manage a team
- Stay up-to-date with industry trends, competitors, and regulatory changes and adjust strategies as needed to stay ahead of the competition
Requirements:
- Bachelor's degree in STEM, business, finance, marketing or related field
- MBA from a top tier university is strongly preferred
- 10+ years of experience in the credit card industry, with at least 5 years of experience in a leadership role
- Strong strategic thinking and analytical skills
- Excellent communication and interpersonal skills
- Proven leadership experience, preferably in P&L operations or finance, and the ability to collaborate and motivate teams to achieve targets and exceed expectations.
- Knowledge of credit risk management and regulatory compliance
- Strong understanding of customer behavior and market trends in the credit card industry
- Experience with developing and implementing marketing and sales strategies for credit card products
Benefits & Perks:
- Flexible work schedule (In-office T/W/Th and remote M/F for hybrid-eligible roles)
- 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!
About Enova
Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossus™platform. We serve non-prime consumers and businesses alike, while offering world-class technology and services to traditional banks—in order to create accessible credit for millions.
Being a values-driven organization is at the core of Enova’s success. We live our values by listening to our customers, challenging assumptions, thinking big, setting high expectations, and hiring and developing the best. Through our values and our commitment to making Enova an awesome place to work, we maintain an environment of inclusion and culture where our employees can thrive. You can learn more about Enova’s values and culture here.
It is our policy to provide equal employment opportunity for all persons and not discriminate in employment decisions by placing the most qualified person in each job, without regard to any other classification protected by federal, state, or local law. California Applicants: Click here to review our California Privacy Policy for Job Applicants.
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