---
title: 'Senior Business Analyst - Credit Risk at Koalafi'
canonical: 'https://feeny.ai/job/senior-business-analyst-credit-risk-koalafi-richmond-va-or-arlington-5thh5dhs21ry'
type: 'job'
last_seen: '2026-09-15'
---

# Senior Business Analyst - Credit Risk at Koalafi

- **Company:** Koalafi
- **Location:** Richmond VA OR Arlington, VA
- **Posted:** 2026-07-06
- **Last confirmed live:** 2026-09-15
- **Apply:** https://boards.greenhouse.io/koalafi/jobs/6110093004?gh_jid=6110093004

## 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:

At Koalafi, we use data-driven insights to inform business decisions. This position is responsible for supporting the business by providing analysis, recommendations, and driving the implementation of strategic business initiatives. You will have the unique opportunity to grow alongside the company and help shape the future direction of the business. In this role, you will:

- Drive research and analysis that powers our strategy, operational, financial, and business development decision-making
- Develop business plans, including gathering requirements for transformational projects within our new product line
- Monitor portfolio risk and recommend changes to credit policy strategy
- Perform in-depth analysis on complex datasets to generate actionable insights
- Present results to leadership and influence to adopt recommendations
- Support with regular reports, ad hoc data requests and analysis, transaction analysis, and special inquires as requested
- Create queries as needed to problem solve and answer internal and external customer questions
- Produce financial models and NPV analyses

## About You (Qualifications)

- Bachelor’s degree in a quantitative field (finance, economics, mathematics, engineering, etc.)
- 2 years of analysis experience
- Proficiency in Python and SQL or similar language
- Ability to communicate with data in written and verbal contexts
- Exceptional attention to detail and problem-solving skills
- Demonstrates curiosity and a growth mindset by actively seeking feedback, continuously developing skills, and adapting to changing priorities and business needs

## Preferred Qualifications

- Master’s degree in a quantitative field (finance, economics, mathematics, engineering, etc.)
- 2+ years of analyst experience in financial industries, ideally consumer lending or credit risk
- 1+ years at a fast-moving start-up
- Experience using in data science and machine learning techniques such as Logistic Regression and/or GBM models

Location: This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time Salary Range: $100,000-$129,000 per year 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. [linkedin.com/company/koalafi](https://www.linkedin.com/company/koalafi)

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