Manager of Business Analytics - Non-Prime Installment Loan

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  Koalafi is expanding beyond lease-to-own by launching a non-prime installment loan product that will diversify our portfolio and accelerate growth in select states and verticals.  The Manager of Business Analysis will report directly to the Chief Risk Officer and play a central role in designing and operationalizing the company’s risk management framework for this new product.  The role will lead development of core risk policies (credit, fraud, KYC/AML, collections, etc.), build a robust monitoring and reporting suite, and execute ad hoc analyses that support product development, pilot rollout, and scaling. This person will be a key cross-functional partner to Product, Engineering, Compliance/Legal, Operations, and Finance.  Risk Policy Development & Governance  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  Monitoring Suite & Risk Reporting  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...