Manager of Business Analytics - Fraud at Koalafi
United States
$131k - $165k
<div class="content-intro"><p>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.</p> <p>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.</p> <p>Interested in learning more about how we’re transforming the financing experience and joining our team?</p></div><p><strong>What You’ll Do</strong></p> <p><span data-contrast="auto">Fraud is one of the largest challenges plaguing financial institutions today, with an estimated $27 billion in annual losses from identity theft alone</span><span data-contrast="auto"><span data-fontsize="11">1</span></span><span data-contrast="auto">. In addition to identity theft, there is a growing trend of synthetic IDs, manipulated IDs, and scam incidents.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <p><span data-contrast="auto">Koalafi is continuing to scale its payments and financing platform across direct-to-consumer and merchant channels. As fraud attack strategies evolve alongside this growth, the company is investing in stronger and more adaptive fraud defenses. The </span><strong><span data-contrast="auto">Manager of Business Analytics – Fraud</span></strong><span data-contrast="auto"> will report directly to the </span><strong><span data-contrast="auto">Director of Fraud Strategy & Analytics</span></strong><span data-contrast="auto"> and play a central role in developing and optimizing Koalafi’s fraud risk strategy.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <p><span data-contrast="auto">This role will lead analytical efforts to </span><strong><span data-contrast="auto">develop and iterate fraud policies, evaluate new fraud defense capabilities and data sources, and strengthen fraud monitoring and reporting frameworks</span></strong><span data-contrast="auto">. The position will focus on improving Koalafi’s resilience against evolving fraud trends while enabling responsible growth across new products, channels, and partners. This individual will serve as a key analytical partner to </span><strong><span data-contrast="auto">Product, Engineering, Risk Operations, and other cross-functional teams</span></strong><span data-contrast="auto"> to ensure fraud controls are effectively embedded in customer and merchant workflows.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <p><strong><em><span data-contrast="auto">Fraud Policy Development</span></em></strong><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <p><span data-contrast="auto">Lead the analysis and continuous improvement of Koalafi’s fraud defense framework, including policies, decision rules, thresholds, and model targeting.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <p><span data-contrast="auto">Responsibilities include:</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <ul> <li data-leveltext="" data-font="Symbol" data-listid="10" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="1" data-aria-level="1"><span data-contrast="auto">Analyze fraud trends and attack patterns to continuously strengthen automated and manual fraud defenses.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="10" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="2" data-aria-level="1"><span data-contrast="auto">Develop and iterate fraud defense strategy (rules, policies, thresholds, decision logic) to maintain strong protection against both ambient fraud activity and coordinated fraud attacks.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="10" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="3" data-aria-level="1"><span data-contrast="auto">Design and implement defenses tailored to emerging channels, including direct-to-consumer, to support enterprise-wide scaling initiatives.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="10" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="4" data-aria-level="1"><span data-contrast="auto">Evaluate and integrate new fraud detection capabilities, tools, and third-party data sources that improve risk detection and operational efficiency.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="10" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="5" data-aria-level="1"><span data-contrast="auto">Enhance and optimize </span><strong><span data-contrast="auto">merchant-level fraud risk monitoring and reporting</span></strong><span data-contrast="auto">, identifying patterns that may indicate merchant abuse or elevated risk exposure.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <p><strong><em><span data-contrast="auto">Monitoring Suite & Risk Reporting</span></em></strong><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <p><span data-contrast="auto">Improve and scale the fraud monitoring framework to ensure early detection of emerging threats and clear visibility into fraud performance.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <p><span data-contrast="auto">Responsibilities include:</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <ul> <li data-leveltext="" data-font="Symbol" data-listid="11" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="1" data-aria-level="1"><span data-contrast="auto">Develop and enhance fraud monitoring dashboards and reporting that track fraud performance metrics and trends across customer segments, merchant verticals, and channels.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="11" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="2" data-aria-level="1"><span data-contrast="auto">Build analytical tools and monitoring processes designed to </span><strong><span data-contrast="auto">detect segment-level anomalies and emerging fraud patterns</span></strong><span data-contrast="auto">.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="11" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="3" data-aria-level="1"><span data-contrast="auto">Implement automated alerting and anomaly detection to enable timely response to new fraud threats.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="11" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="4" data-aria-level="1"><span data-contrast="auto">Partner with Analytics and Data teams to ensure fraud metrics and reporting are </span><strong><span data-contrast="auto">accurate, scalable, and aligned across systems</span></strong><span data-contrast="auto">.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <p><strong><em><span data-contrast="auto">Product Launch Support & Ad Hoc Analysis</span></em></strong><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <p><span data-contrast="auto">Support new product launches and business initiatives by providing analytical insights into fraud risk and mitigation strategies.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <p><span data-contrast="auto">Responsibilities include:</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <ul> <li data-leveltext="" data-font="Symbol" data-listid="12" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="1" data-aria-level="1"><span data-contrast="auto">Support product design and rollout decisions by quantifying trade-offs among </span><strong><span data-contrast="auto">fraud risk, approval rate, unit economics, and customer experience</span></strong><span data-contrast="auto">.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="12" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="2" data-aria-level="1"><span data-contrast="auto">Conduct targeted analyses to evaluate fraud exposure across </span><strong><span data-contrast="auto">new merchant partners, verticals, and products</span></strong><span data-contrast="auto">.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="12" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="3" data-aria-level="1"><span data-contrast="auto">Monitor fraud performance during product launches, pilots, and scaling phases, identifying early indicators of emerging risk.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="12" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="4" data-aria-level="1"><span data-contrast="auto">Provide ad hoc analytical support for fraud strategy initiatives and evolving risk mitigation efforts.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <p><strong><em><span data-contrast="auto">Cross-Functional Influence & Execution</span></em></strong><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <p><span data-contrast="auto">Serve as a key analytical partner across teams to ensure fraud defenses are embedded effectively within Koalafi’s products and operational processes.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <p><span data-contrast="auto">Responsibilities include:</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <ul> <li data-leveltext="" data-font="Symbol" data-listid="13" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="1" data-aria-level="1"><span data-contrast="auto">Partner closely with </span><strong><span data-contrast="auto">Product and Engineering teams</span></strong><span data-contrast="auto"> during product development to ensure fraud risk controls are built into key workflows.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="13" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="2" data-aria-level="1"><span data-contrast="auto">Collaborate with </span><strong><span data-contrast="auto">Risk Operations</span></strong><span data-contrast="auto"> to ensure manual review processes align with fraud policy intent and evolving fraud patterns.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="13" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="3" data-aria-level="1"><span data-contrast="auto">Provide analytical insights that support clear decision-making across stakeholders and initiatives.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="13" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="4" data-aria-level="1"><span data-contrast="auto">Help drive alignment across teams by defining project milestones, delivering analytical insights, and maintaining effective communication with key stakeholders.</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <p><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span><strong><span data-contrast="auto">About You (Qualifications)</span></strong><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></p> <ul> <li data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="1" data-aria-level="1"><span data-contrast="auto">Bachelor’s degree required, in a quantitative field such as </span><strong><span data-contrast="auto">Statistics, Mathematics, Economics, Business, or Engineering</span></strong><span data-contrast="auto"> preferred</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="2" data-aria-level="1"><strong><span data-contrast="auto">5+ years of experience</span></strong><span data-contrast="auto"> in an analyst, data science, or consulting role</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="3" data-aria-level="1"><strong><span data-contrast="auto">3+ years of experience in fraud risk analytics</span></strong><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="4" data-aria-level="1"><span data-contrast="auto">Experience in consumer financing industry, such as </span><strong><span data-contrast="auto">credit cards, personal loans, auto loans, BNPL, or similar fields</span></strong><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="5" data-aria-level="1"><span data-contrast="auto">Proficiency in </span><strong><span data-contrast="auto">Excel, SQL, and Python</span></strong><span data-contrast="auto"> for data analysis</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="6" data-aria-level="1"><span data-contrast="auto">Exceptional attention to detail and strong problem-solving skills</span><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="7" data-aria-level="1"><span data-contrast="auto">Ability to develop </span><strong><span data-contrast="auto">strategic project plans and execute against them</span></strong><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="8" data-aria-level="1"><span data-contrast="auto">Desire to work in a </span><strong><span data-contrast="auto">fast-paced, dynamic entrepreneurial environment</span></strong><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <ul> <li data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props="{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"multilevel"}" data-aria-posinset="9" data-aria-level="1"><span data-contrast="auto">Strong </span><strong><span data-contrast="auto">written and verbal communication skills</span></strong><span data-ccp-props="{"134233117":true,"134233118":true,"201341983":0,"335559740":264}"> </span></li> </ul> <p> </p> <p><strong><em>Location: </em></strong><em>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.</em></p> <p><strong><em>Salary Range:</em></strong><em> $131,000-$165,000 per year (depending on experience and location)</em><em><br><strong>Additional Compensation:</strong> This position will be eligible to participate in company bonus plan. <br></em></p> <p><em>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.</em></p> <p><em>Applications will be accepted until position is filled.</em></p><div class="content-conclusion"><p><strong>Why choose Koalafi: </strong>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.</p> <p><strong>Benefits: </strong></p> <p>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:</p> <ul> <li>Comprehensive medical, dental, and vision coverage</li> <li>20 PTO days + 11 paid holidays</li> <li>401(k) retirement with company matching</li> <li>Student Loan & Tuition Reimbursement </li> <li>Commuter assistance</li> <li>Parental leave (maternal + paternal)</li> <li>Inclusion and Associate Engagement Programs</li> </ul> <p><strong>Who we are & what we value: </strong></p> <ul> <li>We focus on what’s most important</li> <li>We set clear expectations and deliver</li> <li>We embrace challenges to reach our full potential</li> <li>We ask, “How can this be better?”</li> <li>We move fast together</li> </ul></div>
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