Enova Decisions is part of Enova (NYSE: ENVA), a global online lender, originating more than $40 billion loans to over 7 million non-prime customers. Enova Decisions is an analytics and decision management technology company that was formed in 2016 to help organizations make smarter, faster fraud, credit and collections decisions about customers and consumers across the risk spectrum through big data, machine learning and the cloud by leveraging the internal domain knowledge, data science expertise, and decision management technology that has made Enova’s lending brands successful. Meet the leadership team that makes Enova Decisions your trusted strategic partner.

Jim Granat, Senior Vice President

Jim joined Enova in 2018 and leads Enova Small Business as well as Enova Decisions. 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 also 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.

Mike Bressanelli, General Manager

Mike joined Enova in early 2019 as the General Manager. Mike leads the Enova Decisions team in delivering decision management services and technology to eCommerce, Financial Services, Healthcare, and Telecom. Prior to joining, Mike held various leadership positions in Sales and Relationship Management within Software-as-a-Service (SaaS) and analytics, including Oracle, TransUnion, and FIS. Mike holds a Business Degree from St Norbert College, played collegiate football, and resides in Milwaukee with his wife and three children.

Jihae Hwang, Head Of Data Science

Jihae joined the Enova Decisions team in 2021 as the Head of Data Science. Jihae leads all initiatives related to data and solution architecting, including performing data studies, designing production decision flows for batch or real-time decisioning, building predictive models to be used in the decision flows, and any subsequent data analysis and model rebuilds post go-live. Prior to joining Enova Decisions, Jihae held various analytics and data science roles, mostly for fintech companies, including for Enova’s other brands. He holds a B.A. in Math and Economics from Northwestern University and an M.S. in Finance from Kellstadt Graduate School of Business. Jihae lives in Evanston with his wife and son.

Cal Steinhoff, Head Of Sales

Cal brings over 20 years of software-as-a-service (SaaS) sales and business development experience to Enova Decisions. He has strong expertise in delivering high-value solutions to Fortune 1000 and financial services companies as well as in building out high-performing sales teams. Prior to joining Enova Decisions, Cal held various sales and sales management roles at leading SaaS, fintech and artificial intelligence/machine learning companies including Seal Software, Mirador Financial, SurePayroll and Procuri/Ariba. He holds an M.B.A. from Northwestern University’s Kellogg School of Management and a B.A. from Loyola University Chicago. Cal lives in Chicago with his wife and two children.

Enova Decisions - Cal Steinhoff