Category: Analytics

​​Artificial Intelligence and the Lending Lifecycle

Algorithms and AI Contribute to Consumer Equal Access to Credit

Algorithms and AI Contribute to Consumer Equal Access to Credit

by: Joe DeCosmo, Chief Analytics and Technology Officer

Technological change accelerated during the pandemic, leading many people to adopt new ways to complete everyday tasks. Online tools and mobile applications have exploded for everything from shopping, food delivery, and even financial services.

Fintechs ...

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How Machine Learning Has Helped Me Grow my Enova Career

How Machine Learning Has Helped Me Grow My Enova Career

By Emily Hammel, Data Scientist

Artificial intelligence. Machine Learning. Deep Learning. Big Data. All buzzwords heard throughout technology companies. But what do all these words really mean in practice?  

Machine learning is a subsegment of Artificial Intelligence (AI) alongside deep learning, neural networks and some others. Machine learning refers to statistical model building and is ...

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Making Business Decisions During a Pandemic

Making Business Decisions During a Pandemic

by Mike Ngan, Analytics Senior Manager 

At the onset of the pandemic, Enova, as with most businesses, decided to reduce risk immediately. It wasn’t immediately clear at the time how the covid-19 pandemic would progress and how it would impact our customers’ financial situations. One of our immediate goals was to quantify this risk — ...

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Culture: The Most Important Feature in Predicting Team Success

Culture: The Most Important Feature in Predicting Team Success

By Amanda Knor, Madhuri Gupta and Vinod Cheriyan

What do pictionary, crafts and ‘Cups of Joe’ have to do with a successful Analytics team? 

If you ask our Analytics Culture Committee, we will say, “A lot!”

The success of our Analytics team does not come solely from advanced machine learning models or an AWS-based deployment ...

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