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? About the Opportunity 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. Reporting to the Director of FP&A and partnering day-to-day with the VP of FP&A and VP of Capital Markets, this role offers unique breadth for an analyst seat: forecasting & statistical modeling, unit economics, asset backed financing in one role. Business & Portfolio Analytics 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 Forecasting & Financial Planning Support quarterly Outlook forecasts and the annual budget and plan, spanning originations, portfolio performance, and profitability Build and maintain components of the corporate forecasting model, including portfolio performance analysis across payment behavior, delinquency roll rates, and charge-offs Develop scenario and sensitivity analyses to support strategic decisions and stress-test liquidity positions Analyze variances versus budget and outlook, translating drivers into clear narratives for senior leadership Capital Markets 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 Cross-Functional Collaboration 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 About You 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 Location: Richmond, VA; Arlington, VA; or Remote (U.S.). Associates near one of our office locations may work in-office, hybrid, or remotely. Remote opportunities are available to candidates throughout the United States. NOTE: The starting time for this position is 10am ET. Salary Range: $101,000-$131,000 per year (depending on experience and location) Additional Compensation: This position will be eligible to participate in company bonus plan. 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

Requirements

Must-haves

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.
Interested in learning more about how we’re transforming the financing experience and joining our team? About the Opportunity
Business & Portfolio Analytics
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
Forecasting & Financial Planning
Support quarterly Outlook forecasts and the annual budget and plan, spanning originations, portfolio performance, and profitability
Build and maintain components of the corporate forecasting model, including portfolio performance analysis across payment behavior, delinquency roll rates, and charge-offs
Develop scenario and sensitivity analyses to support strategic decisions and stress-test liquidity positions
Analyze variances versus budget and outlook, translating drivers into clear narratives for senior leadership
Capital Markets
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

Nice-to-haves

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
Location: Richmond, VA; Arlington, VA; or Remote (U.S.). Associates near one of our office locations may work in-office, hybrid, or remotely. Remote opportunities are available to candidates throughout the United States.
NOTE: The starting time for this position is 10am ET.

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Benefits

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Dental

Vision

401(K)

Pto

Parental Leave