商业分析经理 - 欺诈

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

Fraud is one of the largest challenges plaguing financial institutions today, with an estimated $27 billion in annual losses from identity theft alone. In addition to identity theft, there is a growing trend of synthetic IDs, manipulated IDs, and scam incidents.

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 Manager of Business Analytics – Fraud will report directly to the Director of Fraud Strategy & Analytics and play a central role in developing and optimizing Koalafi’s fraud risk strategy.

This role will lead analytical efforts to develop and iterate fraud policies, evaluate new fraud defense capabilities and data sources, and strengthen fraud monitoring and reporting frameworks. 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 Product, Engineering, Risk Operations, and other cross-functional teams to ensure fraud controls are effectively embedded in customer and merchant workflows.

Fraud Policy Development

Lead the analysis and continuous improvement of Koalafi’s fraud defense framework, including policies, decision rules, thresholds, and model targeting.

Responsibilities include:

• Analyze fraud trends and attack patterns to continuously strengthen automated and manual fraud defenses.

• Develop and iterate fraud defense strategy (rules, policies, thresholds, decision logic) to maintain strong protection against both ambient fraud activity and coordinated fraud attacks.

• Design and implement defenses tailored to emerging channels, including direct-to-consumer, to support enterprise-wide scaling initiatives.

• Evaluate and integrate new fraud detection capabilities, tools, and third-party data sources that improve risk detection and operational efficiency.

• Enhance and optimize merchant-level fraud risk monitoring and reporting, identifying patterns that may indicate merchant abuse or elevated risk exposure.

Monitoring Suite & Risk Reporting

Improve and scale the fraud monitoring framework to ensure early detection of emerging threats and clear visibility into fraud performance.

Responsibilities include:

• Develop and enhance fraud monitoring dashboards and reporting that track fraud performance metrics and trends across customer segments, merchant verticals, and channels.

• Build analytical tools and monitoring processes designed to detect segment-level anomalies and emerging fraud patterns.

• Implement automated alerting and anomaly detection to enable timely response to new fraud threats.

• Partner with Analytics and Data teams to ensure fraud metrics and reporting are accurate, scalable, and aligned across systems.

Product Launch Support & Ad Hoc Analysis

Support new product launches and business initiatives by providing analytical insights into fraud risk and mitigation strategies.

Responsibilities include:

• Support product design and rollout decisions by quantifying trade-offs among fraud risk, approval rate, unit economics, and customer experience.

• Conduct targeted analyses to evaluate fraud exposure across new merchant partners, verticals, and products.

• Monitor fraud performance during product launches, pilots, and scaling phases, identifying early indicators of emerging risk.

• Provide ad hoc analytical support for fraud strategy initiatives and evolving risk mitigation efforts.

Cross-Functional Influence & Execution

Serve as a key analytical partner across teams to ensure fraud defenses are embedded effectively within Koalafi’s products and operational processes.

Responsibilities include:

• Partner closely with Product and Engineering teams during product development to ensure fraud risk controls are built into key workflows.

• Collaborate with Risk Operations to ensure manual review processes align with fraud policy intent and evolving fraud patterns.

• Provide analytical insights that support clear decision-making across stakeholders and initiatives.

• Help drive alignment across teams by defining project milestones, delivering analytical insights, and maintaining effective communication with key stakeholders.

About You (Qualifications)

• Bachelor’s degree required, in a quantitative field such as Statistics, Mathematics, Economics, Business, or Engineering preferred

• 5+ years of experience in an analyst, data science, or consulting role

• 3+ years of experience in fraud risk analytics

• Experience in consumer financing industry, such as credit cards, personal loans, auto loans, BNPL, or similar fields

• Proficiency in Excel, SQL, and Python for data analysis

• Exceptional attention to detail and strong problem-solving skills

• Ability to develop strategic project plans and execute against them

• Desire to work in a fast-paced, dynamic entrepreneurial environment

• Strong written and verbal communication skills

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.

Salary Range: $128,000-$165,000 per year (depending on experience and location)
Additional Compensation: This position will be 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