Do You Believe What We Believe?

We believe in innovation through analytics.

In everything we do, we believe in innovation as the key driver for business performance and growth. We believe that innovation drives customer satisfaction and bottom-line results. That’s why we build innovative analytics solutions that help companies make data-driven decisions, instantly and at scale, to meet customer demands for instant answers.

Our Analytics Expertise

Analytics expertise is hard to grow internally, as data scientists are scarce and in high demand. We have over 50 analytics experts with 14 years of modeling experience in a variety of capabilities and environments.

No need to hire and grow internal experts. Use our analytics expertise, freeing up your team to innovate.

Our Advanced Technical Infrastructure

Real-time platforms and models take time and capital to develop and implement. Our advanced real-time decisioning platform can instantly produce customer decisions at scale.

Save the time and capital you would have used to build internal models or infrastructure.

Our Real-Time Automated Decisions

The speed of business is steadily increasing, with automated processes and faster decisions becoming the norm. We output customizable scoring and decisioning within sub seconds.

Innovate and stay ahead of the competition with our real-time decisions.

Over the last 14 years, we’ve helped our parent company, Enova International, Inc., build analytics expertise and infrastructure to make instant decisions for its brands, culminating in the launch of Enova Decisions as an AaaS provider.

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Illinois Technology Association

Illinois Technology Association

Sean Naismith — 2017 Technologist of the Year Award Finalist

The Technologist of the Year award recognizes individuals whose talent has championed true innovation, either through new applications of existing technology or the development of technology to achieve a truly unique product or service. Sean Naismith, Head of Analytics Services for Enova Decisions, was recognized for disrupting the advanced analytics marketplace by providing digital decisioning capabilities quickly and efficiently to external businesses through decision flow starter kits.



Joe DeCosmo — 2016 B2B Chicagoland 50 on Fire Award Finalist

50 on Fire celebrates the innovation of individuals and organizations that are heating up Chicago across a variety of industries. Joe DeCosmo, Chief Analytics Officer for Enova and Enova Decisions, was recognized for being a renowned leader in the predictive analytics and statistics spaces.

International Institute for Analytics

International Institute for Analytics

Enova — 2015 Excellence in Analytics Award Finalist

The “ANNY” award acknowledges companies that go above and beyond to develop advanced analytics capabilities. In 2015, Enova was recognized for its innovative approach to driving business impact through the development and advancement of the analytics program, specifically the development of the Colossus platform.

Rooted in Innovation

Chicago-based Enova Decisions is part of Enova International, Inc. (NYSE: ENVA), a leading technology- and data-analytics-driven online lending company that operates 10 brands in four countries. These brands were built on the backbone of innovation through the use of Enova Decisions technology and analytics over the past 14 years.

The positive business performance and rapid growth of Enova’s brands stem, in part, from the hiring and advancement of more than 50 analytics experts by Enova as well as the development and implementation of ColossusTM, our advanced real-time decisioning platform. ColossusTM produces instant answers to customers’ demands, in turn driving customer satisfaction and bottom-line results.

Today, Enova Decisions’ proven technology and analytics experience helps our clients thrive with custom, real-time analytics services and instant data-driven decisioning at scale.


We are proud to be a member of these esteemed industry organizations.

Illinois Technology Association
Analytics Leaders Network
Communications Fraud Control Association