Manager of Business Analysis (Valuations & Forecasting)

At Koalafi we believe in a world where no one has to put an important purchase on hold. Thats why were making it easier for more people to pay for big purchases over time.

Retailers across the country rely on us to offer flexible lease-to-own financing to their non-prime consumers while increasing sales and strengthening customer loyalty. Their 2M customers love us because we provide a flexible way for them to make payments and give them an opportunity to improve their credit. Our 200 Koalafi teammates enjoy inspiring and challenging work that accelerates their careers.

Interested in learning more about how were transforming the financing experience and joining our team

What Youll Do

Were seeking a hands-on and analytically strong Valuations and Forecasting Lead to develop and manage our lease portfolio valuations and forecasting frameworks. This role will directly support strategic decision-making by providing robust predictions of future portfolio performance. Your work will inform credit policy management pricing financial planning capital management and long-term strategy.

Youll work cross-functionally with our Finance Capital Markets and Data Science teams to ensure alignment with the broader corporate financial model. Were looking for someone excited to roll up their sleevesbuilding models owning the codebase interpreting results and delivering insight. In this role you will:

• Build own and maintain a portfolio valuations model to estimate lease lifetime value.
• Quantify the impact of pricing underwriting and credit policy decisions on key valuation drivers such as delinquencies prepayments and early buyouts.
• Develop a forecasting model to estimate KPIs such as payments cash flows and charge-offs under multiple economic and business scenarios.
• Lead loss forecasting efforts by designing models that reflect the dynamic effects of macro conditions credit mix and business strategy.
• Develop scenario analyses to support strategic planning stress testing and capital adequacy assessments.
• Partner closely with Finance to ensure the valuation model supports planning and budgeting processes.
• Deliver clear presentations and insights to senior stakeholders including risk finance and executive leadership.
• Drive continuous improvement of the models accuracy usability and alignment with evolving business needs.

About You (Qualifications)

• 4-8 years of experience in credit risk modeling valuation forecasting or related financial analyticsideally in consumer lending or lease-to-own finance.
• Strong foundation infinance (e.g. forecasting NPV analysis capital planning or asset-backed lending concepts).
• Advanced proficiency inSQL for querying and preparing structured datasets.
• Deep understanding of forecasting techniques and model development best practices.
• Exceptional attention to detail intellectual curiosity and a passion for building practical business-aligned solutions.
• Excellent verbal and written communication skills.
• Comfortable operating in a fast-paced dynamic startup environment with a bias for action.

Bonus Points For

• Familiarity with lease to own products.
• Experience withPython.
• Understanding ofportfolio risk modeling or credit loss estimation.
• Exposure to corporate financial planning and integration of operational models with FP&A workflows.

Why choose Koalafi: A career at Koalafi means opportunities to tackle exciting challenges every single day. We take pride in a culture of innovation trust and ownership. Youll get outside your comfort zone build meaningful relationships and most of all take charge of projects that ultimately help people get the things they need most.

Benefits:

At Koalafi you will have a direct impact on our products and help shape the companys success. We offer competitive compensation & benefits packages to keep you at your best:

• Comprehensive medical dental and vision coverage
• 20 PTO days 11 paid holidays
• 401(k) retirement with company matching
• Student Loan & Tuition Reimbursement
• Commuter assistance
• Parental leave (maternal paternal)
• Inclusion and Associate Engagement Programs

Who we are & what we value:

• We focus on whats most important
• We set clear expectations and deliver
• We embrace challenges to reach our full potential
• We ask How can this be better
• We move fast together