Manager of Business Analytics Non-Prime Installment Loan

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

WhatYoullDo

Koalafiis expanding beyond lease-to-own by launching a non-prime installment loan product that willdiversify our portfolio and accelerate growth in select states and Manager of Business Analysiswill report directly to the Chief Risk Officerand playa central rolein designing and operationalizing the companys risk management framework for this new role willleaddevelopment of core risk policies (credit fraud KYC/AML collections etc.) builda robustmonitoring and reporting suite and execute ad hoc analyses that support product development pilot rollout and scaling. This person will be a key cross-functional partner to Product Engineering Compliance/Legal Operations and Finance.

Risk Policy Development & Governance

• Lead drafting and iteration of risk management policies and standards supporting the non-prime installment product including:
  • Credit policy (eligibility underwriting strategy lineassignmentandpricing inputs)
  • Fraud policy (identity theft synthetic fraud first-party fraudandmerchant abuse)
  • KYC / identity verification standards (CIP/KYC requirements documentary verification requirements third-party data use and step-up verification)
  • Servicing and collections risk policy (hardship restructures settlements and outbound communications)

• Translate policy intent into operationalprocedures andcontrol requirements

• Establish a lightweight governance cadencefor policy review/changes andmaintaina living policy repositorywithchange logs

Monitoring Suite & Risk Reporting

• Design and implement a monitoring framework for the new product that includes:
  • Risk appetite metrics and early-warning indicators (origination mix approval rates early DQ roll rates fraudrate payment failure rates complaint rate etc.)
  • Cohort/vintage tracking and performance segmentation (state vertical channel merchant score band income/DTI bands etc.)
  • Operational controls monitoring (KYC pass rates step-up rates manual review queues etc.)

• Build a recurring executive reporting pack for the leadership team and create self-serve dashboards for day-to-day decision making.

• Partner withAnalytics andData Engineering to ensure data definitions are consistent auditable and scalable (metric dictionary QA checks reconciliation vs. source systems).

Product Launch Support & Ad Hoc Analysis

• Support product design decisions by quantifying trade-offs among risk approval rate unit economics and customer experience (e.g. pricing sensitivity repayment term structures down payment requirements etc.).

• Conduct targeted analyses to inform rolloutstrategyby stateandvertical including regulatory-driven constraints and operational readiness.

• Partner with Product and Engineering on test design and evaluation (A/B tests pilots phased rollouts) including measurement plans and success criteria.

Cross-Functional Influence & Execution

• Serve as a primary risk analytics partner to Product/Engineering during build ensuring risk requirements are embedded in workflows (application underwriting funding servicing and collections).

• Collaborate closely with Compliance/Legal to translate regulatory requirements into operational policy and monitoring.

• Coordinate with Operations to ensure procedures training and escalation pathways align with policy intent.

• Drive clarity in decision-making: define owners timelines and expected deliverables; keep stakeholders aligned through launch milestones.

What Success Looks Like (First 612 Months)

• Core risk policies for the installment product are drafted approved and operationalized with clear change-control andexceptionprocesses.

• A first-class monitoring suite is live with daily/weekly dashboards and a monthly executive risk review cadence.

• Leadership has clear visibility into product performance by state/vertical with early-warning signals and action plans.

• Policy and monitoring enable a controlled rollout that meets regulatory needs while achieving target approval and loss-rate ranges.

About You(Qualifications)

• Bachelors degree in a quantitative field such as Statistics Mathematics EconomicsBusiness or Engineeringpreferred

• 5 years ofexperiencein an analyst data science or consulting role

• 3 years of experience incredit risk analytics

• Experience in consumer financing industrysuch ascredit cards personal loans auto loans BNPL or similar field

• ProficiencyinExcelSQLandPythonfor data analysis

• Exceptional attention to detail and problem-solving skills

• Ability tocreate a strategic agenda and execute against it

• Desire to work in a fast-paced dynamic entrepreneurial environment

• Strongwritten and verbal communication skills

Location Requirement: This position requires regular in-person attendance at one of our two office locations (Richmond VA or Arlington VA). Candidates must already be located within a commutable distance to either location as relocation assistance is not available at this time.

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