Sr. Director of Credit Risk Analytics

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 

The Sr. Director of Credit Risk Analytics is a senior leadership role responsible for the full Credit Policy function — from strategy design through execution and measurement. You will own the credit program's analytical infrastructure, set the team's agenda, and be the primary accountable owner for portfolio profitability. This is a high-visibility role that requires equal parts strategic vision and quantitative rigor, with a strong bias toward structured experimentation and evidence-based decision-making. 

You will report directly to the Chief Risk Officer and serve as a key cross-functional partner to the Data Science, Finance, Product/Tech, and Sales teams. 

Credit Policy Strategy & Program Ownership 

• Define and own the Credit Policy roadmap, setting the team's agenda in alignment with company growth, risk appetite, and profitability objectives
• Determine which underwriting strategies, credit policy levers, and product term configurations to pursue — and in what sequence
• Partner with the Data Science team to translate policy intent into model inputs, scorecard strategies, and decisioning logic
• Ensure that credit policy decisions account for second-order effects, including merchant engagement and performance impacts associated with changes 

Experimentation & Strategy Measurement 

• Design, execute, and monitor controlled experiments (A/B tests, champion/challenger frameworks) for all material credit policy and product term changes prior to full rollout
• Establish rigorous experimental design standards that ensure clean attribution — isolating the impact of individual policy changes from macro, seasonal, and cohort effects
• Define the measurement framework for each test, identifying the appropriate primary and guardrail metrics
• Synthesize test results into clear, defensible recommendations and present findings to senior leadership and cross-functional partners 

Portfolio Performance Monitoring & Analytics 

• Own ongoing monitoring of portfolio health across a comprehensive suite of KPIs, including delinquency rates, roll rates, early buyout rates, loss curves, and terminal outcomes by cohort, vintage, vertical, and channel
• Build and maintain analytical frameworks that allow the team to quickly surface emerging portfolio trends and distinguish signal from noise
• Identify risk concentrations, underperforming segments, and policy gaps, and drive timely remediation through credit policy adjustments 

Portfolio Forecasting 

• Lead portfolio forecasting using a combination of horizontal and vertical performance metrics to produce reliable point-in-time portfolio performance projections
• Partner with FP&A and Capital Markets to ensure credit forecasts are integrated into financial planning, capital allocation, and investor reporting processes
• Develop scenario analysis and stress-testing capabilities to assess the portfolio's sensitivity to macroeconomic changes, product mix shifts, and channel growth assumptions 

Valuations Framework & Unit Economics 

• Design and own a valuations framework and model that enables analysts on the team to rapidly and reliably model the unit economics impact of changes to credit policy, product terms, and origination mix
• Ensure the model is flexible enough to support "what-if" scenario gaming across key levers (e.g., APR equivalents, payment cadence, term length, approval tier thresholds) while maintaining analytical integrity
• Work with Finance and Capital Markets to align valuation assumptions with capital markets pricing, funding cost structures, and investor reporting standards 

Team Leadership & Development 

• Lead, mentor, and develop a team of four: a Senior Analyst, Manager, Senior Manager, and Director — establishing clear goals, growth paths, and accountability structures
• Foster a culture of intellectua