Manager of Business Analytics - Non-Prime Installment Loan

Koalafi is launching a non-prime installment loan product to diversify its portfolio and accelerate growth. The Manager of Business Analytics will design and operationalize the product’s risk management framework, develop risk policies and monitoring, and support product launch decisions through analysis and cross-functional collaboration.

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

Requirements:

• Bachelor's degree required
• 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
• in a quantitative field such as Statistics, Mathematics, Economics, Business, or Engineering preferred