Capital Markets Associate (Hybrid)

We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas or take over sponsorship at this time. #LI-Hybrid #BI-Hybrid

About the Role:

Enova is currently searching for a Capital Markets Associate that will help manage 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. This role reports to the Director, Assistant Treasurer.

Responsibilities:

• Evaluate and execute new debt facilities and other capital markets transactions.
• Develop and maintain financial models to forecast performance, analyze deal structures, and inform capital strategy decisions, including balance sheet and interest expense projections.
• Partner cross-functionally (FP&A, Treasury, Product, Accounting, Legal) to support transaction execution, liquidity planning, and ongoing reporting requirements.
• Prepare, review, and deliver investor and lender materials, including presentations, offering documents, and due diligence responses, ensuring accuracy and quality prior to executive approval.
• Manage liquidity by monitoring cash positions across bank accounts, supporting daily cash management, and enhancing asset-liability and risk management capabilities (e.g., interest rate and liquidity risk).
• Own monthly servicer reporting, including covenant compliance tracking and funding request execution.
• Build and maintain strong relationships with lenders and investors, serving as a key point of contact for ongoing reporting and information requests.
• Conduct ad hoc analyses and provide recommendations to improve funding efficiency and optimize capital structure.

Requirements:

• 5+ years of relevant experience, preferably in Treasury, ALM, or FP&A, with a Bachelor's degree in Business, Finance, Accounting, or Economics.
• Advanced Excel skills with strong financial modeling capabilities, including integrated financial statements.
• Strong analytical, problem-solving, and critical thinking skills, with a high level of attention to detail and the ability to proactively identify and resolve issues.
• Effective collaborator with strong written and verbal communication skills.
• Self-starter with the ability to work independently, manage deadlines, and operate in a fast-paced environment.
• Familiarity with debt capital markets and securitization market standards, including facility reporting and loan funding processes.

Compensation:

The budgeted annual salary range for this position is $83,000 to $112,000. Actual annual salary will be determined based on qualifications, skills, experience, and level assessed during the hiring process and may fall outside of the range shown. Additional compensation for this role may include a bonus and restricted stock units. All full-time employees are eligible to participate in Company benefits, described in more detail here.

Benefits & Perks:

• Our hybrid roles require in-office work Tuesday through Thursday, with remote flexibility on Mondays and Fridays. This schedule fosters collaboration, team connection, and strategic planning, enhancing communication and effectiveness to drive results.
• 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 Colossusplatform. 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.