Manager of Business Analytics - Non-Prime Installment Loan

Responsibilities

• 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)
• Fraud policy (identity theft, synthetic fraud, first-party fraud, and merchant 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 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.)
• 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 with Analytics and Data 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 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.
• 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 6-12 Months)
• Core risk policies for the installment product are drafted, approved, and operationalized with clear change-control and exception processes.
• 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 )
• 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 co

Benefits

Additional Information

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?

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