Manager of Business Analytics - Non-Prime Installment Loan

About the role

Koalafi is expanding its services by launching a non-prime installment loan product. The Manager of Business Analysis will report directly to the Chief Risk Officer and will play a central role in designing and operationalizing the company’s risk management framework for this new product.

Responsibilities

• Risk Policy Development & Governance
• Lead drafting and iteration of risk management policies and standards supporting the non-prime installment product, including: Credit policy, Fraud policy, KYC/identity verification standards, and Servicing and collections risk policy.
• 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, early-warning indicators, cohort/vintage tracking, and performance segmentation.
• Create 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.
• 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.
• 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, 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.

Qualifications

• Bachelor’s degree, 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.

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.