Underwriting Manager (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.

About the Role:

OnDeck an Enova company is a leading small business lender dedicated to helping entrepreneurs access fast simple and transparent financing. By combining cutting-edge data and technology with a human touch we deliver an exceptional lending experience tailored to small business owners.

We are looking for an Underwriting Manager to oversee the production quality and performance of our small business loan this role you will lead a team of Underwriting Supervisors and Team Leads focusing on developing these front-line managers setting operational strategy and driving high-level team performance. Reporting to the Senior Manager of Underwriting this position is ideal for an experienced leader ready to scale their impact by managing through others.

What Youll Do:

• Utah Office Culture & Site Leadership: Serve as the culture champion and leader for the Utah office fostering a collaborative high-energy environment driving local employee engagement and building a strong sense of community across teams.
• Leadership Development & Coaching: Lead coach and develop a team of Underwriting Supervisors and Team Leads; empower your front-line managers to effectively drive their respective pods of production underwriters.
• Operational Strategy & Execution: Establish consistent workflows quality standards and throughput targets across all pods translating high-level organizational strategy into clear daily execution.
• Risk & Escalations: Serve as the senior escalation point for high-complexity decisions exceeding direct report authority partnering closely with Credit & Risk to ensure policy clarity and alignment.
• Cross-Functional Collaboration: Work alongside Sales Product Compliance and Operations to streamline the borrower experience and optimize automated/manual decisioning intersections.
• Workforce Planning & Bench Building: Own capacity modeling scheduling and talent acquisition to build a resilient leadership pipeline for the growing Utah site.

What Were Looking For:

• 5 years of underwriting experience in small business or commercial lending
• 7 years managing people with at least some experience managing other managers or team leads
• Strong command of SMB credit fundamentals; cash flow analysis financial statement review and risk assessment
• Proven ability to develop leaders: setting clear expectations giving direct feedback and building capability over time
• Has an operational mindset; comfortable with metrics process design and driving accountability at scale
• Strong communicator who can translate between frontline execution and senior leadership expectations
• Experience working in a high-volume technology-enabled lending environment
• Background in fintech or online lending platforms is preferred
• Familiarity with automated decisioning and where manual underwriting intersects with it
• Exposure to fair lending or SMB-specific compliance requirements (Reg B etc.)

Compensation:

The budgeted annual salary range for this position is $102000 to $148000. 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 dayPlus 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 banksin order to create accessible credit for millions.

Being a values-driven organization is at the core of Enovas 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 Enovas 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.