About the OpportunityWe 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
unique breadth for an analyst seat: forecasting & statistical modeling, unit economics, asset backed financing in one role.
Business & Portfolio Analytics- 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
Forecasting & Financial Planning- 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
Capital Markets- 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
Cross-Functional Collaboration- 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
About You- 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
Preferred Qualifications- 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
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: $103,000-$131,000per year (depending on experience and location)
Additional Compensation: This position will be eligible to participate in company bonus plan.
Applications will be accepted until position is filled.
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
