The risk team is a fundamental pillar for our business. As a Risk Manager, you will play an important role in driving healthy business growth for Kafene. You will conduct statistical analyses to develop top-tier retailer merchant risk strategies that balance loss control and strong partnerships. You will learn, innovate, and grow alongside an innovative team that strives for excellence. What You'll Do • Leverage multiple, complex data sources such as third-party vendor data, internal performance metrics, and machine learning models to perform quantitative and decision-tree analyses to produce actionable recommendations for new merchant underwriting and assess existing merchant profitability to support healthy business growth. • Monitor, investigate, and conduct p & l analysis to optimize merchant underwriting policy and processes to improve merchant experience while controlling merchant risk at scale with a strong sense of ownership and urgency; ongoing collaboration to enable merchant risk operation teams to handle edge cases • Design and maintain Sigma reporting and conduct statistical analyses to track merchant engagement and performance across different dimensions to ensure healthy growth and profitability • Partner cross-functionally (clear communication + strong collaboration) with sales and operations teams to deliver customized merchant treatments that ensure profitability with smooth sales operations • Investigate merchant fraud cases, identify relevant patterns, and implement preventive measures to mitigate risk • Learn and leverage analytical tools (Python/R, SQL, etc.) to perform statistical and decision-tree analyses to identify root causes and potential business opportunities. • Partner with data and engineering teams to enhance treatment capabilities and monitor implementation quality • Communicate findings clearly through summaries, presentations, and process documentation What You'll Bring • Master's degree in a quantitative discipline such as Statistics, Operations Research, Economics, Engineering, Data Science, or any other STEM major • 2+ years of work experience in LTO or the financial industry • High-level proficiency in Python, SQL, R, or other data mining and analytical tools • Strong sense of ownership, timeline, and collaboration • Prior experience in the lease-to-own (LTO) or the financial lending industry, with good P&L analytical experience • Familiarity with any decision-tree analysis approach, like pivot tables, Knowledge Seeker, or Enterprise Miner Compensation and Benefits: • Base Salary: Earn a competitive salary of $95,000-140,000 • Healthcare: We prioritize your well-being by covering 80% of medical, dental, and vision insurance costs, including coverage for your spouse, children, and other dependents. • Retirement Benefits: Begin planning for your future from day one with our 401k plan. • Paid Time Off: We understand the importance of work-life balance. That's why we offer flexible paid time off days starting from day one of your employment.