Business Analyst - Strategic Finance

About the role

We are seeking a Financial Data Analyst to join our Finance team in a role that spans financial planning & analysis and capital markets. You will own core pieces of our forecasting and planning cycles, build portfolio- and merchant-level analytics that drive strategic decisions, and support the execution of our funding strategy and lender relationships.

Responsibilities

• Build merchant- and product-level unit economics and net cash flow analysis to inform pricing, growth, and capital allocation decisions
• Leverage SQL and large operational datasets to build data models, dashboards (e.g., Tableau, Snowsight), and self-serve reporting
• Support monthly financial review materials and ad-hoc analyses of executive questions
• Monitor competitor and market performance and synthesize implications for the business
• Forecast quarterly Outlook forecasts and the annual budget and plan, spanning originations, portfolio performance, and profitability
• Develop and maintain components of the corporate forecasting model, including portfolio performance analysis across payment behavior, delinquency roll rates, and charge-offs
• Analyze variances versus budget and outlook, translating drivers into clear narratives for senior leadership
• Support the VP of Capital Markets in managing Koalafi’s asset-backed debt facilities, including covenant compliance monitoring, borrowing base reporting, and analyses supporting draws and repayments
• Help prepare investor and lender communications, portfolio analyses, and materials for investor meetings
• Develop credit performance forecasts (e.g., delinquency, prepayment behavior) to inform funding strategy and capital planning
• Research capital markets trends, funding innovations, and peer strategies
• Partner with Risk, Accounting, Sales, and Operations teams to align forecasts, metrics, and reporting logic
• Improve internal processes, automate workflows, and leverage modern tooling (including AI) to increase the speed and accuracy of analysis

Requirements

• Bachelor’s degree in Finance, Economics, Business, Engineering, or a quantitative field
• 2 - 5 years of experience in data/business analytics, FP&A, strategic finance, capital markets, investment banking, or financial services analytics
• Expertise in writing SQL for data analysis, metric reporting/tracking, and creating datasets
• Experience working with large, complex datasets to tackle ambiguous, open-ended problems
• Curious about the "why" behind the numbers, digging into data and independently following the evidence to identify root causes and actionable insights
• Confident supporting multiple senior stakeholders and prioritizing across competing workstreams
• Excellent written and verbal communication skills, with the ability to distill complex analysis into concise takeaways
• Comfortable working in a fast-paced, dynamic environment with ambiguous problems and evolving priorities

Preferred Qualifications

• Experience in consumer finance, particularly subprime or non-prime lending
• Foundational knowledge of asset-backed lending, securitization, and debt capital markets
• Python experience for financial analysis and forecasting
• Demonstrated experience using BI tools (e.g., Tableau) to build dashboards and track KPIs
• Experience applying AI tools to accelerate analysis and reporting

Benefits

• 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