Business Analyst - Strategic Finance

<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>About the Opportunity</strong></p> <p>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 <strong><u>unique</u></strong> breadth for an analyst seat: forecasting & statistical modeling, unit economics, asset backed financing in one role.</p> <p><strong>Business & Portfolio Analytics</strong></p> <ul> <li>Build merchant- and product-level unit economics and net cash flow analysis to inform pricing, growth, and capital allocation decisions</li> <li>Leverage SQL and large operational datasets to build data models, dashboards (e.g., Tableau, Snowsight), and self-serve reporting</li> <li>Support monthly financial review materials and ad-hoc analyses of executive questions</li> <li>Monitor competitor and market performance and synthesize implications for the business</li> </ul> <p><strong>Forecasting & Financial Planning</strong></p> <ul> <li>Support quarterly Outlook forecasts and the annual budget and plan, spanning originations, portfolio performance, and profitability</li> <li>Build and maintain components of the corporate forecasting model, including portfolio performance analysis across payment behavior, delinquency roll rates, and charge-offs</li> <li>Develop scenario and sensitivity analyses to support strategic decisions and stress-test liquidity positions</li> <li>Analyze variances versus budget and outlook, translating drivers into clear narratives for senior leadership</li> </ul> <p><strong>Capital Markets</strong></p> <ul> <li>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</li> <li>Help prepare investor and lender communications, portfolio analyses, and materials for investor meetings</li> <li>Develop credit performance forecasts (e.g., delinquency, prepayment behavior) to inform funding strategy and capital planning</li> <li>Research capital markets trends, funding innovations, and peer strategies</li> </ul> <p><strong>Cross-Functional Collaboration</strong></p> <ul> <li>Partner with Risk, Accounting, Sales, and Operations teams to align forecasts, metrics, and reporting logic</li> <li>Improve internal processes, automate workflows, and leverage modern tooling (including AI) to increase the speed and accuracy of analysis</li> </ul> <p><strong>About You</strong></p> <ul> <li>Bachelor’s degree in Finance, Economics, Business, Engineering, or a quantitative field</li> <li>2 - 5 years of experience in data/business analytics, FP&A, strategic finance, capital markets, investment banking, or financial services analytics</li> <li>Expertise in writing SQL for data analysis, metric reporting/tracking, and creating datasets</li> <li>Experience working with large, complex datasets to tackle ambiguous, open-ended problems </li> <li>Curious about the "why" behind the numbers digging into data and independently following the evidence to identify root causes and actionable insights</li> <li>Confident supporting multiple senior stakeholders and prioritizing across competing workstreams</li> <li>Excellent written and verbal communication skills, with the ability to distill complex analysis into concise takeaways</li> <li>Comfortable working in a fast-paced, dynamic environment with ambiguous problems and evolving priorities</li> </ul> <p><strong>Preferred Qualifications</strong></p> <ul> <li>Experience in consumer finance, particularly subprime or non-prime lending</li> <li>Foundational knowledge of asset-backed lending, securitization, and debt capital markets</li> <li>Python experience for financial analysis and forecasting</li> <li>Demonstrated experience using BI tools (e.g., Tableau) to build dashboards and track KPIs</li> <li>Experience applying AI tools to accelerate analysis and reporting</li> </ul> <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> &