Creating Accessible Credit for Millions

$22

Billion
in Loans Issued

5

Million
Customers Served

1,300

Employees

We Are All About Responsible Lending

Enova is a member of leading financial services trade associations in three countries — that means dealing with a whole lot of different lending laws! But we always work hard to ensure we comply with all applicable lending laws and regulations in each country.

United States

We are one of the largest licensed lenders in the U.S. and are members of both the Online Lenders Alliance (OLA) and Innovative Lending Platform Association (ILPA).

United Kingdom

Enova is authorized by the Financial Conduct Authority to conduct business in the UK. We are one of the founding members of the Consumer Finance Association (CFA) and are members of the Consumer Credit Trade Association (CCTA) and the UK's leading fraud prevention service, CIFAS.

Brazil

We are part of Associação Brasileira de Crédito Digital (ABCD) — Brazilian Digital Credit Association.

"We're a mission-driven organization helping hardworking people get access to fast, trustworthy credit. Our Focused Growth strategy has enabled us to grow rapidly and deliver on that mission with world-class products and services."

David Fisher, CEO

Meet Our Leaders

We haven't gotten to where we are today purely on luck — it's taken a lot of hard work and persistence from everyone, and that goes double for our leaders. They're responsible for creating Enova's vision and developing the roadmap for getting us there. And while luck may not play a part in our success, we are certainly lucky to say we have fintech's best leaders, analysts, marketers and technologists on our teams, bringing decades' worth of experience from a diverse array of backgrounds.

David Fisher

CEO

David joined Enova as CEO in 2013. From 2007 to 2012, he served as CFO, President and then CEO at optionsXpress, spearheading the company's sale to Charles Schwab in 2011 for $1.4 billion (including a one-time dividend). He has also served as CFO of Potbelly Sandwich Works and CFO of Prism Financial Corporation. He was a member of Crain’s 40 Under 40 and has been a frequent contributor on Jim Cramer's Mad Money. David has a JD from Northwestern University, graduating magna cum laude, and a BS in Finance from the University of Illinois. In his free time, David enjoys skiing, competing in triathlons, cooking and spending time with his family.

Kirk Chartier

CMO

Kirk joined Enova as CMO in 2013, leading the Global Marketing, Communications, and Corporate Development groups. From 2010 through 2012, he served as CMO at optionsXpress, first leading the global marketing and business development groups and then the integration into Charles Schwab following its sale. He was the Senior Managing Principal for Strategy at Zyman Group (part of MDC Partners) from 2005 to 2010, and was contracted as the interim Marketing and Distribution leader at Safeco Insurance and Global Product Marketing Leader at EDS. Kirk has an MBA from Syracuse University, a BA in Economics from Holy Cross and a BS in Engineering from Worcester Polytechnic Institute. He is also a former Marine Corps Officer and combat helicopter pilot.

Steven Cunningham

CFO

Steven Cunningham serves as Enova’s Chief Financial Officer. He joined the company in 2016 from Discover Financial Services, where he was Executive Vice President and Chief Risk Officer. He also served as Discover’s Senior Vice President and Corporate Treasurer during his time there. Previously, Steve was the Chief Financial Officer for Harley-Davidson Financial Services and the Chief Financial Officer for Capital One’s Auto Finance and Banking segments. Steve holds an MBA from George Washington University and a BS in Corporate Finance and Investment Management from the University of Alabama. In his free time, Steve enjoys exercising, playing the guitar, following college football, and spending time with his three children.

Joe DeCosmo

CAO

Joe joined Enova as Chief Analytics Officer in 2014. Prior to working at Enova, he served as Director and Practice Leader of Advanced Analytics for Chicago-based West Monroe Partners. He also held a number of executive positions at HAVI Global Solutions and the Allant Group. Joe received a BA in Economics from Lewis University and an MA in Economics from the University of Illinois at Chicago. He currently serves on the boards of the Chicago Chapter of the American Statistical Association and the UIC College of Business Administration. Joe lives in the Chicago area with his wife and daughters.

Nick Drew

Head of UK Operations

Nick Drew has more than 17 year's experience in the financial and online payments industries. He joined Enova in 2014, leading all aspects of the business. Previously, he led software engineering activities at BT Ventures and managed a series of FCA-regulated "e-money" businesses, including PSP International and ClickandBuy, part of the Deutsche Telekom Group. Nick studied Electronic Engineering and has several accreditations in the field of software development.

Jim Granat

Head of Small Business Financing

Jim joined Enova as Head of Small Business Financing in 2018, leading both Headway Capital and The Business Backer. With a decade of experience in online lending, Jim came to Enova from Lendio, a leading small business financing marketplace, where he served as President. Jim previously served as COO at FDI Management and ZOA. He holds his BA in accounting and finance from Arizona State University. Jim lives in Chicago with his wife and two children and enjoys golfing in his spare time.

John Higginson

CTO

John joined Enova as Chief Technology Officer in 2014. Previously, he served as CTO of Wheels, Inc., where he managed a team of 150 technology professionals and led the development of Wheels' comprehensive suite of Web applications. He has also worked at FTD Companies, Inc., and Applied Systems, Inc. John holds a BA from Northern Illinois University and an MS in Information Technology and Privacy Law from the John Marshall Law School. Outside of work, he serves as an MBA Executive Advisory Board member at Lewis University. John lives in Chicago with his two labradors and his large collection of electronic gadgets that "were so cool he just had to have them."

Stacey Kraft

CPO

Stacey serves as Enova's Chief People Officer and leads the company's Recruiting, Talent Development, People Resources, PeopleTech and Compensation & Benefits teams. She joined Enova in 2018 from Groupon, where she served as Vice President of Global Talent Acquisition and HR Operations. Prior to Groupon, Stacey was the head of Human Resources for the Museum of Science and Industry (MSI) and held a number of HR leadership positions at Thomson Reuters and Hubbard One. Stacey holds a BA from Indiana University. In her free time, she enjoys spending time with her family and volunteering as a Team Manager for the Chicago Fire Juniors youth soccer program.

Sean Rahilly

General Counsel and CCO

Sean joined Enova in 2013 and serves as the company's General Counsel and Chief Compliance Officer. From 2002 to 2012, he served as Associate General Counsel & Compliance Officer at First American Bank, prior to which he worked in private practice. Sean has a JD and a BS in Accountancy from DePaul University. In his free time, Sean enjoys spending time with his two daughters, playing sports, and all things Irish. He has played Gaelic football competitively for over 20 years.

Greg Zeeman

COO

Greg serves as Enova's Chief Operating Officer, responsible for overseeing Enova's existing products and leading the firm's operations. Greg joined the company in 2015 from Main Street Renewal, where he served as Chief Executive Officer. He also held numerous positions at HSBC, including serving as the Chief Operating Officer for HSBC USA. Greg holds an MBA from Harvard University and a BA in Economics and Political Science from the University of North Carolina – Chapel Hill. Greg lives in Lake Forest with his wife and 3 children, serves on the Executive Board of the Daniel Murphy Scholarship Fund, and in his free time enjoys playing golf and traveling.

Timeline

  1. Enova reaches a $1B balance sheet; the new employee resource group Women@Enova launches; and CashNetUSA and On Stride expand their loan product offerings to better serve customers.

  2. Enova balance sheet reaches $1B in assets and reaches a milestone of more than 5 million customers served.

  3. Enova achieves book growth of 29% year-over-year and becomes the number-one lender by market share in the UK.

  4. Enova expands its financing capabilities by acquiring The Business Backer, a Cincinnati-based business financing company, and launches Enova Decisions, a real-time analytics service.

  5. It's a milestone year with the launches of Headway Capital (B2B lending) and On Stride Financial (installment lending in the UK), and most importantly, Enova being officially listed on the NYSE as an independent public company under the ticker symbol ENVA.

  6. Enova International, Inc. brings in a number of awards including being named one of Computerworld's Best Places to Work in IT, a second year of being listed as Brill Street’s list of the Top 50 Employers for Gen Y Emerging Talent in Chicago, and being ranked as Built In Chicago's third top employer in the Top 100 Digital Companies in Chicago.

  7. Enova leads Brill Street’s list of the Top 50 Employers for Gen Y Emerging Talent and launches U.S.-based NetCredit, an installment lending brand.

  8. Enova Financial changes its name to Enova International, Inc.

  9. Enova Financial is recognized for Exceptional Customer Service as a Stevie Award finalist and founds Pounds to Pocket, a UK installment loan company.

  10. We expand our services to Canada and Australia with the launch of both DollarsDirect brands, and CashNetUSA, QuickQuid and DollarsDirect collectively become Enova Financial.

  11. CashEuroNetUK, LLC joins CIFAS, the UK’s fraud prevention service — becoming the first admitted institution to be headquartered outside of the EU.

  12. CashNetUSA makes its 3 millionth loan transaction and extends its financial services abroad with the launch of QuickQuid, an online payday loan company in the UK.

  13. Publicly traded financial services company Cash America International, Inc. acquires CashNetUSA, and becomes a member of the Community Financial Services Association of America.

  14. CashNetUSA’s technology upgrades to a cutting-edge lending platform (Ruby on Rails) and turns profitable only 11 months after inception.

  15. The Check Giant, LLC, is renamed CashNetUSA, and by the end of the year the company is providing payday loan services in 10 states.

  16. Brothers Albert and Alexander Goldstein join the Check Giant, LLC, as they begin testing online consumer lending.

Recognitions and Associations