Risk Manager

About the Team Kafene’s 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 Kafene’s profit‑driven consumer underwriting strategies. You will harness complex data sources and machine learning, and 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 You’ll 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 You’ll Bring Master’s 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. 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 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: Competitive base salary $95,000–$130,000. Healthcare: We cover 80% of medical, dental, and vision insurance costs, including coverage for your spouse, children, and other dependents. Retirement Benefits: 401(k) plan available from day one. Paid Time Off: Flexible paid time off days starting from day one. We’re building a team as diverse as the customers we serve. Kafene is proud to be an equal‑opportunity employer. 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. If you require reasonable accommodation at any stage of the application process, please email View email address on click.appcast.io with details of your request. #J-18808-Ljbffr