Andrew Schmidt
About Andrew Schmidt
Andrew Schmidt serves as the Head of Credit Operations for SMB at Enova International, where he has contributed to significant business growth and improved credit decision-making processes. He has a diverse background in sales and analytics, with previous roles at companies such as GE, CBC Innovis, and EXPRESS.
Current Role at Enova International
Andrew Schmidt serves as the Head of Credit Operations for the Small and Medium Business (SMB) sector at Enova International. He has held this position since 2016, contributing to the company's growth in the Cincinnati Area, KY. In this role, he developed comprehensive business intelligence reporting that assists the executive team in managing portfolios and optimizing unit economics. His efforts have led to significant improvements in operational management and decision-making processes.
Previous Experience in Credit and Sales
Before joining Enova International, Andrew Schmidt held various positions that contributed to his expertise in credit operations and sales. He worked as the Western Region Sales Director at GE from 2004 to 2006, focusing on the Greater San Diego Area. He also served as the Manager of Customer & Predictive Analytics at CBC Innovis from 2013 to 2016 in the Columbus, Ohio Area. Additionally, he was an Operations Analyst at EXPRESS from 2011 to 2013, where he gained valuable insights into operational processes.
Educational Background and Qualifications
Andrew Schmidt holds an MBA in Finance and Analytics from The Ohio State University Fisher College of Business, which he completed between 2009 and 2011. He also earned a Bachelor of Arts in Political Science and Economics from The Johns Hopkins University, graduating in 2002. His educational background provides a strong foundation for his roles in credit operations and analytics.
Achievements in Credit Operations
In his current role, Andrew Schmidt has influenced the adoption of statistical rigor in decision-making across the organization. He led the creation of statistical model suites and algorithms that improved credit approval likelihood and default performance. His implementation of underwriting automation resulted in a 175% increase in net capacity and enhanced the accuracy of credit decisions. Furthermore, he developed and executed a strategic roadmap that significantly increased business growth from under $75 million to over $250 million.
Career Progression and Early Roles
Andrew Schmidt's career began with a position as a District Sales Representative at Newell Brands from 2002 to 2004 in the Greater Los Angeles Area. He then transitioned to roles that focused on analytics and operations, including his time as an Operations Analyst at EXPRESS and later as a Manager at CBC Innovis. This progression laid the groundwork for his current leadership role in credit operations.