Risk Manager

Get to Know Us

Kafene is revolutionizing the lease-to-own space. Were the point-of-sale powerhouse making flexible lease-to-own accessible to everyoneprime and non-prime customers alike. Our secret weapon Cutting-edge AI and machine learning that analyzes 20000 data inputs in real-time empowering retailers across furniture appliances electronics tires and durable goods to say yes to more customers.

The numbers tell our story: over $500 million in originations and counting. But were just getting started.

Our 150-person team spans NYC headquarters Wilmington and remote talent across the globeall united by a culture that thrives on collaboration innovation and genuine support. We dont just talk about great workplace culture; we deliver it. Thats why Built In named us a Startup to Watch and Forbes recognized us as one of the Best Startup Employers.

Ready to be part of the fintech revolution Join us.

About the Team

Kafenes Risk team is a key driver of growth for the business. As a Risk Manager you will report to the VP of Risk and help build Kafenes profit-driven consumer underwriting strategies. You will harness complex data sources and machine learning and you will partner across technology and senior leadership to develop strategies that optimize credit risk fraud risk and other factors across underwriting portfolio management and collections.

What Youll Do

• Leverage multiple and complex data sources such as Bureau information alternative data consumer behavior the macro environment and portfolio performance metrics to perform quantitative analyses classification/decision-tree analyses and/or machine learning modeling to understand root causes and/or potential business opportunities

• Translate data into meaningful insights and design implement and iterate on strategies to drive profitable business growth. Review findings with senior management like CRO and CEO.

• Design and manage A/B tests pilot programs and controlled experiments to evaluate new strategies including defining test populations randomization logic and success criteria.

• Build and maintain dashboards and reporting infrastructure to enable real-time monitoring of strategy performance across key metrics.

• Monitor our acquisition and portfolio performance related to consumer or merchant credit risk fraud risk lease amount term channel and other important metrics across the account lifecycle.

• Monitor both internal and macroeconomic performance to define risk appetite and ensure healthy businesses under different environments.

• Partner with technology product and cross-functional teams to ensure timely and quality implementation with diligent test validation. Track the performance to ensure that it meets expectations.

What Youll Bring

• Masters degree in a quantitative discipline such as Statistics Operations Research Economics Engineering Data Science or other STEM majors.

• Minimum 2 years in the financial industry in an analytical function. Experience in credit risk strategy/collection areas is a plus

• High Proficiency in business reporting and analytical tools such as Power BI and Tableau is required

• High-level proficiency in Python SQL SAS or other data mining and analytical tools. Familiarity with any decision tree analysis tool like Enterprise Miner is a plus

• Experience of extracting business insights from data analysis and assembling them into clear business insights or recommendations in the financial service/consumer lending industry

Compensation and Benefits:

• Base Salary: Earn a competitive base salary $95000-$130000

• Healthcare: We prioritize your well-being by covering 80% of medical dental and vision insurance costs including coverage for your spouse children and other dependents.

• Retirement Benefits: Begin planning for your future from day one with our 401k plan.

• Paid Time Off: We understand the importance of work-life balance. Thats why we offer flexible paid time off days starting from day one of your employment.

Were building a team as diverse as the customers we serve. Kafene is proud to be an equal-opportunity employer and we mean it. We welcome qualified applicants of every race color religion sex sexual orientation gender identity national origin disability status veteran status and all other legally protected characteristics.

Need accommodation during the application process Weve got you. If youre applying for a U.S. position and require reasonable accommodation at any stage reach out to with details about your request and contact information. Were here to help make the process work for you.

Note: This email address is specifically for accommodation requests and will only respond to those inquiries.

Required Experience:

Manager