Sr. Director of Credit Risk Analytics

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

The Sr. Director of Credit Risk Analytics is a senior leadership role responsible for the full Credit Policy function from strategy design through execution and measurement. You will own the credit programs analytical infrastructure set the teams agenda and be the primary accountable owner for portfolio profitability. This is a high-visibility role that requires equal parts strategic vision and quantitative rigor with a strong bias toward structured experimentation and evidence-based decision-making.

You will report directly to the Chief Risk Officer and serve as a key cross-functional partner to the Data Science Finance Product/Tech and Sales teams.

Credit Policy Strategy & Program Ownership

• Define and own the Credit Policy roadmap setting the teams agenda in alignment with company growth risk appetite and profitability objectives
• Determine which underwriting strategies credit policy levers and product term configurations to pursue and in what sequence
• Partner with the Data Science team to translate policy intent into model inputs scorecard strategies and decisioning logic
• Ensure that credit policy decisions account for second-order effects including merchant engagement and performance impacts associated with changes

Experimentation& Strategy Measurement

• Design execute and monitor controlled experiments (A/B tests champion/challenger frameworks) for all material credit policy and product term changes prior to full rollout
• Establish rigorous experimental design standards that ensure clean attribution isolating the impact of individual policy changes from macro seasonal and cohort effects
• Define the measurement framework for each test identifying the appropriate primary and guardrail metrics
• Synthesize test results into clear defensible recommendations and present findings to senior leadership and cross-functional partners

PortfolioPerformanceMonitoring& Analytics

• Own ongoing monitoring of portfolio health across a comprehensive suite of KPIs including delinquency rates roll rates early buyout rates loss curves and terminal outcomes by cohort vintage vertical and channel
• Build and maintain analytical frameworks that allow the team to quickly surface emerging portfolio trends and distinguish signal from noise
• Identify risk concentrations underperforming segments and policy gaps and drive timely remediation through credit policy adjustments

Portfolio Forecasting

• Lead portfolio forecasting using a combination of horizontal and vertical performance metrics to produce reliable point-in-time portfolio performance projections
• Partner with FP&A and Capital Markets to ensure credit forecasts are integrated into financial planning capital allocation and investor reporting processes
• Develop scenario analysis and stress-testing capabilities to assess the portfolios sensitivity to macroeconomic changes product mix shifts and channel growth assumptions

Valuations Framework & Unit Economics

• Design and own a valuations framework and model that enables analysts on the team to rapidly and reliably model the unit economics impact of changes to credit policy product terms and origination mix
• Ensure the model is flexible enough to support what-if scenario gaming across key levers (e.g. APR equivalents payment cadence term length approval tier thresholds) while maintaining analytical integrity
• Work with Finance and Capital Markets to align valuation assumptions with capital markets pricing funding cost structures and investor reporting standards

Team Leadership & Development

• Lead mentor and develop a team of four: a Senior Analyst Manager Senior Manager and Director establishing clear goals growth paths and accountability structures
• Foster a culture of intellectual rigor curiosity and ownership within the team
• Build scalable analytical processes and documentation standards that reduce key-person dependency and support team growth as the business scales
• Represent the Credit Policy function in cross-functional forums and serve as a thought partner to peer leaders across Risk Data Science Product and Finance

About You (Qualifications)

• Bachelors degree required in a quantitative field such as Statistics Mathematics Economics Business or Engineering preferred
• 7 years of experience in an analyst data science or consulting role
• 5 years of experience in credit risk analysis credit policy or a closely related function within consumer or small business lending leasing or installment finance
• Prior experience with Lease-to-Own BNPL installment lending other non-traditional consumer credit products preferred
• Deep proficiency in credit performance analytics: delinquency curves roll rate analysis loss forecasting vintage analysis and cohort-based performance attribution
• Expert-level command of experimental design including A/B testing champion/challenger frameworks and statistical significance testing; a demonstrated ability to isolate causal effects and defend attribution in complex multi-variable environments
• Strong financial modeling skills including the ability to translate credit performance assumptions into unit economics portfolio valuations and P&L impact
• Proficiency in Excel SQL and Python; comfort working with large datasets and interfacing with data science and data engineering teams
• Proven ability to lead and develop analytical teams including managing managers
• Exceptional communication skills able to translate complex quantitative findings into crisp actionable narratives for executive and cross-functional audiences
• High degree of intellectual honesty; comfortable challenging assumptions acknowledging uncertainty and changing course when data warrants it
• Strong instincts for prioritization in a fast-moving resource-constrained environment

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