Manager of Business Analytics - Non-Prime Installment Loan

Koalafi provides flexible lease-to-own and financing solutions that help consumers make important purchases over time. The Manager of Business Analytics will design and operationalize the risk management framework for a new non-prime installment loan product, leading risk policy development, monitoring and reporting, product launch support, and cross-functional analytics.

Responsibilities:

• 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
• 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)
• 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
• 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
• Core risk policies for the installment product are drafted, approved, and operationalized with clear change-control and exception process
• 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

Requirements:

• 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