Manager of Business Analytics - Non-Prime Installment Loan

Job Description

Job Description

At Koalafi, we believe in a world where no one has to put an important purchase on hold. That's why we're 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 we're transforming the financing experience and joining our team?

What You'll Do  

Koalafi is expanding beyond lease-to-own by launching a non-prime installment loan product that will diversify our portfolio and accelerate growth in select states and verticals. The Manager of Business Analysis will play a central role in designing and operationalizing the company's risk management framework for this new product. The role will lead development of core risk policies, build a robust monitoring 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. This is an individual contributor role, with a path to people leadership as the Non-Prime Installment Loan portfolio scales. 

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, line assignment, and pricing inputs)  
• Translate policy intent into operational procedures and control requirements  
• Establish a lightweight governance cadence for policy review/changes and maintain a living policy repository with change 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, fraud rate, payment failure rates, complaint rate, etc.)  
  • Cohort/vintage tracking and performance segmentation (state, vertical, channel, merchant, score band, income/DTI bands, etc.) 
• Build a recurring executive reporting pack for the leadership team and create self-serve dashboards for day-to-day decision making.  

Product Launch Support & Cross-Functional Influence

• 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 rollout strategy by state and vertical, 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.  
• Drive clarity in decision-making: define owners, timelines, and expected deliverables; keep stakeholders aligned through launch milestones.  

About You (Qualifications )

• Bachelor's degree required, in a quantitative field such as Statistics, Mathematics, Economics, Business, or Engineering preferred  
• 5+ years of experience in an analyst, data science, or consulting role  
• Proficiency in Excel, SQL, and Python for data analysis  
• Exceptional attention to detail and problem-solving skills  
• Ability to create a strategic agenda and execute against it  
• Desire to work in a fast-paced, dynamic entrepreneurial environment  
• Strong written and verbal communication skills 

Preferred Qualifications  

• 3+ years of experience in credit risk analytics 
• Experience in consumer financing industry, such as credit cards, personal loans, auto loans, BNPL, or similar field 
• Experience with a financial product launch and/or scaling post-launch 

Location: Richmond, VA; Arlington, VA; or Remote (U.S.). Associates near one of our office locations may work in-office, hybrid, or remotely. Remote opportunities are available to candidates throughout the United States.

Salary Range: $128,000-$165,000 per year (depending on experience and location)
Additional Compensation: This position is eligible to participate in company bonus plan. 

The final salary offer will depend on factors including, but not limited to, experience, skills, and geographic location. The actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate's offer letter.

Applications will be accepted until position is filled.

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. You'll 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 company's 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 what's 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