--- title: 'Manager of Business Analytics - Non-Prime Installment Loan at Koalafi' canonical: 'https://feeny.ai/job/manager-of-business-analytics-non-prime-installment-loan-koalafi-us-arlington-h7n8cwcmzm63' type: 'job' last_seen: '2026-09-15' --- # Manager of Business Analytics - Non-Prime Installment Loan at Koalafi - **Company:** Koalafi - **Location:** US Arlington VA OR Richmond, VA - **Work type:** remote - **Posted:** 2026-05-01 - **Last confirmed live:** 2026-09-15 - **Apply:** https://boards.greenhouse.io/koalafi/jobs/5986399004?gh_jid=5986399004 ## 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 report directly to the Chief Risk Officer and 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 (credit, fraud, KYC/AML, collections, etc.), 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. 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 consulting role - 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 - 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 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 ## About Koalafi ## Company Overview - **One-liner**: Koalafi provides lease-to-own and lending solutions that help non-prime consumers finance purchases while enabling merchants to close more sales. - **Entity Type**: Private (Debt Financing) - **Headquarters**: Washington, District of Columbia, United States - **Founded**: 2014 - **Founders**: Not publicly available (dba West Creek Financial, Inc.) ## Core Business - **Primary industry**: Financial Services (Fintech, Consumer Finance) - **Target customers**: B2B (merchants) and B2C (consumers). Serves 28k+ merchant partners and non-prime U.S. consumers. - **Mission/Purpose Statement**: *“Make essential purchases possible today, while supporting a stronger financial foundation for tomorrow.”* They aim to fix a system where too many non-prime consumers are told “no,” and merchants lose sales. ## Products & Services - **Koalafi Lease-to-Own & Lending Platform**: A SaaS/embedded finance platform offering consumers flexible, transparent payment plans. Merchants integrate it in-store or online to approve more shoppers (up to $7,500 approval amounts) and get paid quickly (2 business days). Loans issued by The Bank of Missouri. ## Market Standing - **Valuation**: Not disclosed (private company). - **Key Metric**: Total funding of **$195.5M** across 6 rounds. Notable: $150M debt round in Oct 2019 led by Pollen. - **Notable Investors/Partners**: Pollen (lead on $150M round). Trusted by **28k+ merchant partners**. - **Growth Signals**: - 207 employees (+19.7% YoY, +44 people), with **+2.3% monthly growth** in headcount. - **9 out of 10** U.S. consumers are eligible for their plans. - **90th percentile NPS** in credit and software categories. - **A+ BBB rating**. - Active job postings up **130.8% YoY**, with 30 current open roles. - LinkedIn followers: 21,509 (+30.2% yearly). ## Competitive Advantages - **High approval rates**: Uses a proprietary scoring model that looks beyond credit scores, capturing non-prime consumers that traditional lenders reject. - **Transparent, fixed terms**: Total cost and schedule shown upfront; “no surprises.” - **Merchant risk protection**: Koalafi takes 100% of the consumer risk — merchants face no financial risk. - **Credit bureau reporting**: On-time payments help consumers build credit, a clear differentiator vs. payday lenders or predatory financing. - **World-class support**: Merchant support available 365 days/year with chat, phone, and email; high customer satisfaction (NPS in 90th percentile). ## Strategic Focus - **Expand merchant network**: Targeting the 40% of U.S. adults lacking prime credit by making their platform the default choice for lease-to-own. - **Deepen product/tech**: Recent hire of Chief Product & Technology Officer (Charles Battle) signals investment in platform and integrations. - **Scaling the workforce**: 130.8% YoY growth in job postings indicates aggressive hiring in product, engineering, data, risk, operations, and sales. - **Global presence**: While HQ is in Washington, DC, Koalafi has teams in Brazil and Bangladesh, hinting at global or nearshore expansion. ## Why Work Here - **Culture**: Described as “startup spirit with established stability.” Values include “Move fast together,” “Focus on what’s most important,” and “Ask, ‘How can this be better?’”. High NPS culture translates internally. - **Work Model**: Hybrid/Remote. Offices in **Richmond, VA** (HQ, Manchester neighborhood) and **Arlington, VA** (Rosslyn). Remote roles available nationwide with regular travel to corporate offices. - **Benefits (from careers page)**: - Comprehensive medical, dental, vision, disability, life insurance - 401K with company match - 12 weeks paid parental leave - Generous PTO + volunteer leave - Tuition reimbursement & student loan support - **Employee Rating**: **4.3/5.0** (212 reviews on their employer profile). Breakdown: Work-Life 4.3, Culture 4.3, Career 4.1, Compensation 4.2. - **Talent Sources**: Heavy recruiting from Capital One, CarMax, Wells Fargo — indicating a strong fintech talent pipeline. - **Engineering Culture**: Heavy technical hiring (DevOps Lead, Senior Data Scientist, Senior Product Designer) suggests a product-led engineering culture. ## Sources 1. [koalafi.com](https://koalafi.com/) 2. [koalafi.com/careers/](https://koalafi.com/careers/) 3. [koalafi.com/about-us/](https://koalafi.com/about-us/) 4. [koalafi.com/job-listings/](https://koalafi.com/job-listings/) 5. 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