FinDEVr SV 2016 / Enova

Presenter Profile

Enova International, Inc. (NYSE: ENVA) is a leading provider of online financial services to non-prime consumers and small businesses, providing access to credit powered by its advanced analytics, innovative technology, and world-class online platforms and services. Through its portfolio of trusted brands, Enova has provided over four million customers around the globe access to more than $17 billion in loans and financing and offers online lending platform services to other lenders. Through its Enova Decisions brand, it delivers on-demand decision-making technology and real-time predictive analytics services to clients across industries that want to make fast, data-driven decisions at scale.


Real-Time in the Real World: Building a State of the Art Real-Time Analytics Platform

Protecting and growing the profitability of any company is always top of mind for business stakeholders. Technology teams must be flexible and creative in their approach in order to produce technical infrastructures that will drive business results. Find out how Enova International built an automated real-time and data-driven, decision-making machine called the Colossus platform, drove $7 million in incremental profitability within the first year, and launched the platform as a predictive analytics service through its Enova Decisions brand to serve clients that want to make fast, data-driven decisions at scale. We’ll explore how developing real-time decisions around fraud, underwriting, payments, and operations can improve the customer experience and contribute to business success while touching on lessons learned throughout the development process.

What You’ll Learn

  • How real-time decisions in fraud, underwriting, payments, and operations improve the customer experience and positively impact the bottom line
  • Lessons learned (some the hard way) during the dev process, including why it’s important to provide use cases at the very beginning of development and why you should invest in a paid pilot
  • What it takes to build a technical infrastructure in house and common challenges faced along the way


John Higginson, CTO | @johnjhigginson

John joined Enova as CTO in 2014. Previously, he was CTO of Wheels, Inc. and worked at FTD Companies, Inc., and Applied Systems, Inc. John has a BA from Northern Illinois University and an MS in IT and privacy law from the John Marshall Law School. He also is an MBA Executive Advisory Board member at Lewis University.

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