Senior Business Analyst - Credit Risk

Job description

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:**  At Koalafi, we use data-driven insights to inform business decisions. This position is responsible for supporting the business by providing analysis, recommendations, and driving the implementation of strategic business initiatives. You will have the unique opportunity to grow alongside the company and help shape the future direction of the business. In this role, you will: - Drive research and analysis that powers our strategy, operational, financial, and business development decision-making - Develop business plans, including gathering requirements for transformational projects within our new product line - Monitor portfolio risk and recommend changes to credit policy strategy - Perform in-depth analysis on complex datasets to generate actionable insights - Present results to leadership and influence to adopt recommendations - Support with regular reports, ad hoc data requests and analysis, transaction analysis, and special inquires as requested - Create queries as needed to problem solve and answer internal and external customer questions - Produce financial models and NPV analyses **About You (Qualifications)** - Bachelor’s degree in a quantitative field (finance, economics, mathematics, engineering, etc.) - 2 years of analysis experience - Proficiency in Python and SQL or similar language - Ability to communicate with data in written and verbal contexts - Exceptional attention to detail and problem-solving skills - Demonstrates curiosity and a growth mindset by actively seeking feedback, continuously developing skills, and adapting to changing priorities and business needs **Preferred Qualifications** - Master’s degree in a quantitative field (finance, economics, mathematics, engineering, etc.) - 2+ years of analyst experience in financial industries, ideally consumer lending or credit risk - 1+ years at a fast-moving start-up - Experience using in data science and machine learning techniques such as Logistic Regression and/or GBM models ***Location:*** *This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time****Salary Range:*** *$100,000-$129,000 per year* ***Additional Compensation:** This position is eligible to participate in company bonus plan.* *The final salary offer will depend on factors including, but not limited to, experience, skills, and geographic location. The actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.* *Applications will be accepted until position is filled.* **Why choose Koalafi:** A career at Koalafi means opportunities to tackle exciting challenges every single day. We take pride in a culture of innovation, trust, and ownership. You'll get outside your comfort zone, build meaningful relationships, and most of all, take charge of projects that ultimately help people get the things they need most. **Benefits:** At Koalafi, you will have a direct impact on our products and help shape the company’s success. We offer competitive compensation & benefits packages to keep you at your best: - 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 **Who we are & what we value:** - We focus on what’s most important - We set clear expectations and deliver - We embrace challenges to reach our full potential - We ask, “How can this be better?” - We move fast together