Note: The job is a remote job and is open to candidates in USA. Koalafi provides flexible lease-to-own financing that helps consumers make important purchases over time while supporting retailers. The Financial Data Analyst will support financial planning and analysis, portfolio and merchant analytics, forecasting, and capital markets activities. The role will build financial models and reporting, analyze performance, support funding strategy and lender relationships, and collaborate across Risk, Accounting, Sales, and Operations.
Responsibilities
- 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
- 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
- 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
- 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
Skills
- Bachelor's degree in Finance, Economics, Business, Engineering, or a quantitative field
- 2 - 5 years of experience in FP&A, strategic finance, data/business analytics, investment banking, capital markets, or financial services analytics
- Strong financial modeling and forecasting skills with advanced Excel proficiency
- Proficiency in SQL and experience working with large, complex datasets
- Comfortable supporting multiple senior stakeholders and prioritizing across competing workstreams
- Analytical thinker with meticulous attention to detail and a focus on data integrity
- 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
- 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
Benefits
- Eligible to participate in company bonus plan
- 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
- Associates near one of our office locations may work in-office, hybrid, or remotely
- Remote opportunities are available to candidates throughout the United States
Company Overview
Company H1B Sponsorship