What You'll Do

The Head of Collections and Recoveries is a highly analytical business leader responsible for overseeing and optimizing all aspects of the company’s collections and recoveries functions. This individual contributor role will develop and deliver the strategy and roadmap, collaborating across internal teams and external partners to execute and optimize our loss mitigation efforts. The ideal candidate will have deep collections and recoveries expertise, very strong analytical and problem solving skills, cross-functional leadership skills, and a deep understanding of consumer finance regulations. 

Key Responsibilities: 

• Strategic Leadership: Develop, implement and optimize a comprehensive collections and recoveries strategy aligned with the company’s overall business objectives. 
• Operational Excellence: Oversee daily operations, ensuring business intent is supported by operational excellence - delivered by vendor or shared internal resources. Establish and monitor key performance indicators (KPIs) to measure the effectiveness of collections efforts. Establish and manage relationships with third-parties for the delivery of the strategy. 
• Risk Management & Regulatory Compliance: Identify and mitigate potential risks associated with collections activities, including strict adherence to all federal, state, and local regulations governing collections and recoveries. 
• Financial Performance: Own the Collections and Recoveries budget and maximize return on operational expenses. 
• Technology and Innovation: Leverage technology to improve efficiency and effectiveness, including the implementation of new collection systems and tools. 
• Customer Experience: Balance aggressive collections with a customer-centric approach, minimizing negative impacts on customer relationships.
• Additional responsibilities may vary based on the company’s needs and requirements. 

About You (Required Qualifications) 

• 5+ years of experience in collections and recoveries in the consumer finance industry.
• Bachelor’s degree in Business Administration, Finance, or another quantitative/analytics field. 
• Strong understanding of consumer finance regulations, including the Fair Debt Collection Practices Act (FDCPA) and other relevant laws.
• Proficiency with SQL, Snowflake, and other data/analytics tooling.
• Excellent analytical and problem-solving skills.
• Strong communication, influencing and interpersonal skills.
• Ability to work under pressure and meet tight deadlines.

Preferred Qualifications 

• Advanced degree (MBA or MS). 

About the Opportunity

The E-Commerce Inside Account Executive is a full-cycle, quota-carrying role responsible for prospecting, closing, onboarding, and growing e-commerce merchant partners. This role focuses heavily on outbound prospecting and new merchant acquisition, while also managing and expanding a growing book of business.

You’ll work primarily with online merchants using platforms such as Shopify, Magento, WooCommerce, and BigCommerce. This is a hybrid role based in Richmond, VA, with approximately 95% inside sales and account management and occasional travel to industry events and merchant onsite meetings.

What You’ll Do 

• Prospect and close new e-commerce merchant partners via outbound calling, inbound leads, email, and virtual selling
• Own the merchant lifecycle from initial outreach through onboarding and early-stage growth
• Serve as the primary point of contact, driving adoption, performance, and account expansion
• Educate merchants on integrating and optimizing Koalafi financing across major e-commerce platforms
• Conduct virtual demos, presentations, and training sessions
• Collaborate with Marketing, Product, Integrations, and Sales teams
• Manage pipeline, activity, and performance metrics in CRM
• Meet or exceed monthly and quarterly sales and onboarding KPIs

About You 

• 2+ years of inside sales and/or account management experience (Fintech, payments, or e-commerce preferred)
• Experience working with e-commerce platforms such as Shopify, Magento, WooCommerce, or BigCommerce
• Ability to discuss checkout flows, conversion rates, plugins/apps, and basic technical concepts (no coding required)
• Strong communication skills, phone presence, and virtual presentation abilities
• Organized, self-motivated, and comfortable in a fast-paced, quota-driven environment
• CRM experience (Salesforce or similar)
• Location Requirement: This position requires regular in-person attendance at our office (Richmond, VA). Candidates must already be located within a commutable distance to our office location, as relocation assistance is not available at this time.

Preferred

• Experience selling to or supporting online merchants or digital-first businesses

NOTE: The full-time annual year-one on-target compensation (base salary + commission) for this role is $100,000 - $130,000+. The commission is uncapped.

Applications will be accepted until role has been filled.

What You’ll Do 

Koalafi is expanding beyond lease-to-own by launching a non-prime installment loan product that will diversify our portfolio and accelerate growth in select states and verticals.  The Manager of Business Analysis will report directly to the Chief Risk Officer and play a central role in designing and operationalizing the company’s risk management framework for this new product.  The role will lead development of core risk policies (credit, fraud, KYC/AML, collections, etc.), build a robust monitoring and reporting suite, and execute ad hoc analyses that support product development, pilot rollout, and scaling. This person will be a key cross-functional partner to Product, Engineering, Compliance/Legal, Operations, and Finance. 

Risk Policy Development & Governance 

• Lead drafting and iteration of risk management policies and standards supporting the non-prime installment product, including: 
  • Credit policy (eligibility, underwriting strategy, line assignment, and pricing inputs) 
  • Fraud policy (identity theft, synthetic fraud, first-party fraud, and merchant abuse)
  • KYC / identity verification standards (CIP/KYC requirements, documentary verification requirements, third-party data use, and step-up verification)
  • Servicing and collections risk policy (hardship, restructures, settlements, and outbound communications) 

• Translate policy intent into operational procedures and control requirements 

• Establish a lightweight governance cadence for policy review/changes and maintain a living policy repository with change logs 

Monitoring Suite & Risk Reporting 

• Design and implement a monitoring framework for the new product that includes: 
  • Risk appetite metrics and early-warning indicators (origination mix, approval rates, early DQ, roll rates, fraud rate, payment failure rates, complaint rate, etc.) 
  • Cohort/vintage tracking and performance segmentation (state, vertical, channel, merchant, score band, income/DTI bands, etc.)
  • Operational controls monitoring (KYC pass rates, step-up rates, manual review queues, etc.) 

• Build a recurring executive reporting pack for the leadership team and create self-serve dashboards for day-to-day decision making. 

• Partner with Analytics and Data Engineering to ensure data definitions are consistent, auditable, and scalable (metric dictionary, QA checks, reconciliation vs. source systems). 

Product Launch Support & Ad Hoc Analysis 

• Support product design decisions by quantifying trade-offs among risk, approval rate, unit economics, and customer experience (e.g., pricing sensitivity, repayment term structures, down payment requirements, etc.). 

• Conduct targeted analyses to inform rollout strategy by state and vertical, including regulatory-driven constraints and operational readiness. 

• Partner with Product and Engineering on test design and evaluation (A/B tests, pilots, phased rollouts), including measurement plans and success criteria. 

Cross-Functional Influence & Execution 

• Serve as a primary risk analytics partner to Product/Engineering during build, ensuring risk requirements are embedded in workflows (application, underwriting, funding, servicing, and collections). 

• Collaborate closely with Compliance/Legal to translate regulatory requirements into operational policy and monitoring. 

• Coordinate with Operations to ensure procedures, training, and escalation pathways align with policy intent. 

• Drive clarity in decision-making: define owners, timelines, and expected deliverables; keep stakeholders aligned through launch milestones. 

What Success Looks Like (First 6–12 Months) 

• Core risk policies for the installment product are drafted, approved, and operationalized with clear change-control and exception processes. 

• A “first-class” monitoring suite is live with daily/weekly dashboards and a monthly executive risk review cadence. 

• Leadership has clear visibility into product performance by state/vertical, with early-warning signals and action plans. 

• Policy and monitoring enable a controlled rollout that meets regulatory needs while achieving target approval and loss-rate ranges. 

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 credit risk analytics 

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

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

• Exceptional attention to detail and problem-solving skills 

• Ability to create a strategic agenda and execute against it 

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

• Strong written and verbal communication skills 

Location Requirement: This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time.

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 intellectual rigor, curiosity, and ownership within the team
• Build scalable analytical processes and documentation standards that reduce key-person dependency and support team growth as the business scales
• Represent the Credit Policy function in cross-functional forums and serve as a thought partner to peer leaders across Risk, Data Science, Product, and Finance 

About You (Qualifications) 

• Bachelor’s degree required, in a quantitative field such as Statistics, Mathematics, Economics, Business, or Engineering preferred
• 7+ years of experience in an analyst, data science, or consulting role
• 5+ years of experience in credit risk analysis, credit policy, or a closely related function within consumer or small business lending, leasing, or installment finance
• Prior experience with Lease-to-Own, BNPL, installment lending, other non-traditional consumer credit products preferred 
• Deep proficiency in credit performance analytics: delinquency curves, roll rate analysis, loss forecasting, vintage analysis, and cohort-based performance attribution
• Expert-level command of experimental design, including A/B testing, champion/challenger frameworks, and statistical significance testing; a demonstrated ability to isolate causal effects and defend attribution in complex, multi-variable environments
• Strong financial modeling skills including the ability to translate credit performance assumptions into unit economics, portfolio valuations, and P&L impact
• Proficiency in Excel, SQL, and Python; comfort working with large datasets and interfacing with data science and data engineering teams
• Proven ability to lead and develop analytical teams, including managing managers
• Exceptional communication skills — able to translate complex quantitative findings into crisp, actionable narratives for executive and cross-functional audiences
• High degree of intellectual honesty; comfortable challenging assumptions, acknowledging uncertainty, and changing course when data warrants it
• Strong instincts for prioritization in a fast-moving, resource-constrained environment 
• Location Requirement: This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time.

About Koalafi

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.

Over 17,000 retailers rely on us to match their customers to a payment plan clearly and quickly, all while reflecting well on their brand. 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.

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 alone1. 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 Requirement: This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time.

About the role

You will help build the next generation of how our customers interface & apply for financing with Koalafi, and you will share learnings along the way to help refine strategy within the Tech organization as a whole. You’ll develop in the latest technologies as we continue to modernize legacy systems by moving to cloud-based micro-service platform(s), all while focusing on improving the customer experience by making it faster, simpler, and easier to use. We want to deploy solutions early and often to find out what works and what doesn't, but we also want to ensure we are doing so in a targeted and analytical manner. Our new ecosystem utilizes technologies across the stack, including but not limited to: React, GoLang, Postgres, and Kubernetes within AWS. These services work in tandem with our legacy platforms, which are still a part of our core business and must be maintained as we continue to decommission them piece by piece. So, if you are a strong engineer with the ability to learn and adapt, we would love to hear from you!

What you’ll do

Delivery

• Work with Design and Product to improve and maintain the application experience for both our customers and merchant partners
• Review and understand high level feature requirements to propose implementation options and define user stories
• Collaborate cross-domain to further understand potential impacts and limitations of proposed requirements
• Actively engage in agile processes including sprint planning, retrospectives, and daily stand-ups
• Oversee delivery of features step by step: develop implementation plans, coordinate tasks with teammates, communicate with stakeholders, devise testing strategy, and deliver to production
• Help to evaluate priority, troubleshoot, and resolve bugs across the stack

Influence

• Research and implement emerging technologies to improve system performance and customer experience
• Champion new ideas to shape strategy for the tech organization as a whole
• Act as a technical mentor, guiding engineers on best practices and standards for building Golang micro-services and REST APIs
• Participate in code reviews to ensure high-quality standards as well as share knowledge across the team

Optimization

• Improve application observability and alerting to be able to proactively address issues as they arise
• Adhere to efficient database design to ensure data integrity and boost performance
• Utilize AI tooling in day to day tasks to streamline implementation cycles

About you

• Four-year college degree in Computer Science/Engineering or Information Systems required
• 6+ years of professional software engineering experience
• Strong foundation in implementing and testing with Golang
• Understanding of HTTP/REST architecture and how to build via Golang
• Working understanding of modern web frameworks (React, Vue, Angular, etc.)
• Knowledge of architecting and delivering applications in AWS
• Knowledge of scrum/agile software development process
• Exceptional analytical, conceptual, and problem-solving abilities
• Highly self-motivated and directed, with keen attention to detail
• Ability to work in a team-oriented, collaborative environment
• Excellent communication skills with strong EQ
• Location Requirement: This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time.

What You’ll Do

We are in search of a Bilingual Merchant Support Representative to assist in providing exceptional support to our growing merchant network. You will have the unique opportunity to grow alongside the company and help shape the future direction.

This associate will help manage all existing merchant relationships through daily inbound and outbound, proactive contact. This individual will be the point of contact for the merchant and a key contributor to client satisfaction, and responsible for addressing any questions regarding accounts or applications with timely and accurate information. You will be responsible for building deep relationships with our merchants and retail partners. We are looking for someone with strong customer service experience and sound judgment who is trustworthy and able to work quickly, efficiently, and independently. We are looking for a flexible, customer-oriented individual who is ready to hit the ground running & help us scale. In this role you will:

• Handle inbound calls from retailers to assist in lease or loan application processing.
• Own Koalafi operational knowledge to provide sound answers when merchants have questions.
• Ensure merchant confidence in Koalafi by providing excellent customer service through the entire financing experience.
• Foster ongoing relationship management with stores and make outbound calls to merchants, when appropriate.
• Conduct back-office processes, such as funding and report generation, to ensure a high-quality merchant experience.
• Be flexible to perform a number of different tasks as needed, as we continue to test out new technologies and onboard enterprise merchants.

About You (Qualifications)

• 1-2 years in a call center environment required
• Excellent verbal and written communication skills
• Experience proactively identifying trends in customer issues and surfacing to the right internal stakeholders
• Proficiency with the Microsoft Office Suite (Excel/Word)
• Ability to work independently and efficiently, both in-person and and on work from home days
• Experience working in a fast-paced, dynamic environment, with strong prioritization skills and ability to handle multiple responsibilities at once
• Strong Spanish language skills, including the ability to speak fluently and communicate clearly in professional settings
• Proficiency in reading and writing in Spanish, with accuracy in grammar, vocabulary, and comprehension
• Ability to effectively use Spanish in both verbal and written communications to perform essential job duties
• Must be available to work nights and weekends
• Location Requirement: This position requires regular in-person attendance at our office (Richmond, VA). Candidates must already be located within a commutable distance to our office location, as relocation assistance is not available at this time.

About The Role 

We’re looking for a Staff Product Manager to lead and evolve Koalafi’s Originations product: the end-to-end apply & checkout experiences that serve as the front door to financing for every customer. This is a high-impact role at the center of Koalafi’s strategy to accelerate growth by making it easier, faster, and more intuitive for consumers to finance their purchases across both online and in-store channels.  

This role is ideal for a product manager who thrives working at the intersection of strategy, execution, and deep cross-functional collaboration. You’ll set the direction for Originations by aligning diverse partners, from Risk and Compliance to Marketing and Sales, around a cohesive strategy that accelerates growth while maintaining a unified vision. 

What You’ll Do 

Define and drive the Originations roadmap 

• Lead product vision, strategy, roadmap, and execution for the Originations product as an engine for growth
• Develop the product strategy for apply & checkout flows that are reusable across diverse merchant and consumer contexts – such as a consumer’s mobile phone to a store owner’s point-of-sale system or e-commerce checkout integration 

Grow and optimize the Originations funnel 

• Drive continuous funnel optimization by identifying conversion opportunities using quantitative data and qualitative insights to ship rapid improvements while balancing profitability and compliance
• Grow Koalafi’s distribution across channels by partnering with cross-functional teams to design and ship frictionless experiences that work for both merchants and consumers 

Shape the product for rapid insight generation and experimentation 

• Partner with analytics and engineering to instrument the funnel, generate actionable insights, and run A/B tests to validate hypotheses and measure outcomes
• Mentor other PMs and establish best practices for experimentation and funnel analysis across the broader organization 

Champion the customer experience 

• Champion the customer, bringing curiosity and empathy to every decision to ensure the application experience meets real customer needs
• Conduct user research and map consumer and merchant journeys to uncover usability gaps and unmet needs 

Lead delivery as the embedded product manager for the Originations team 

• Partner continuously with engineering and design to define the what and the why, translating business opportunities and customer insights into user centric solutions, while empowering the team to determine the how
• Maintain a prioritized backlog with crisp epics and stories, clear acceptance criteria, and measurable outcomes
• Partner with analysts and product marketers to define success metrics, ensure releases are instrumented, review post-launch outcomes, and align go-to-market strategy with top-of-funnel campaigns 

About You 

• 7+ years of product management experience, with a track record of owning application flows, onboarding funnels, checkout experiences, or other high-volume conversion-critical surfaces
• Growth-minded and highly analytical, with deep experience in funnel optimization, experimentation, and hypothesis-driven development
• Proficient with analytics and experimentation tools  
• Strong customer empathy and discovery skills
• Demonstrated judgment in balancing short-term business needs with long-term product health and scalability
• Ability to lead and influence cross-functional teams toward a common goal
• Excellent communicator who brings clarity and builds alignment across diverse stakeholders
• Comfortable operating in ambiguous environments and able to create clarity, structure, and momentum over time

Preferred Qualifications 

• Experience in fintech, lending, embedded finance, or consumer financial services—particularly in originations or application flow domains
• Familiarity with the tradeoffs between conversion optimization and credit risk management in lending contexts
• Experience with both e-commerce and in-store / point-of-sale product experiences
• Familiarity with multi-merchant or platform business models where the application experience must adapt to diverse merchant contexts 

About the role

We're hiring a Tech Lead for DevOps to own the delivery and operational health of our platform engineering team. This is a hands-on leadership role: you carry significant engineering weight alongside the team while owning the operating rhythm, sprint commitments, and accountability for what ships.

You will work in close partnership with our Cloud Architect, who owns platform strategy and technology standards. Your job is to translate that direction into a clear, well-organized backlog: and then drive the team to deliver it with quality and predictability. You are the bridge between strategic direction and team execution.

We build in an AI-forward environment. You'll be expected to leverage AI tools in your own work and create the conditions — in pipelines, tooling, and team culture — for engineers to do the same effectively and responsibly.

What you'll do

Delivery ownership

• Set and own team priorities: determine what the team works on, in what order, and why; translate VP direction and Cloud Architect input into a clear, executable backlog
• Own sprint commitments and team capacity planning: accountable for what the team commits to and whether it ships
• Surface risks early and communicate delivery status accurately to the VP
• Run sprint ceremonies: planning, stand-ups, retros, and demos
• Maintain Jira hygiene: tickets are well-defined, updated, and always reflect actual state
• Identify and resolve blockers before they slow the team down
• Communicate cross-team dependencies early and proactively

Technical execution

• Be a strong technical contributor: carry significant engineering weight alongside the team and actively deliver on high-impact work
• Own day-to-day technical decisions within the team's scope
• Translate architectural direction into sprint-level tasks the team can act on
• Build and evolve CI/CD pipelines and delivery automation: ensuring deployment safety, consistency, and velocity
• Improve observability and operational readiness across metrics, logging, distributed tracing, and alerting (Prometheus, Grafana, Dynatrace, Elasticsearch), including actionable dashboards and SLO-based alerting
• Design and implement automation and self-service workflows using infrastructure-as-code, APIs, and developer platforms to reduce developer friction
• Implement secure delivery practices with policy-driven pipeline controls
• Contribute to infrastructure in Terraform, working within established architectural patterns and standards
• Support and improve secrets management patterns across runtime and CI/CD workflows
• Champion AI-assisted development practices across the team: prompt engineering workflows, AI-powered code review, and tooling integrations (e.g., GitHub Copilot, Cursor, or equivalent) as first-class parts of the engineering workflow

Operational readiness

• Own incident response coordination: drive the process, communicate status, and ensure issues reach the right people
• Participate in the on-call rotation and help drive improvements that reduce incidents and alert noise over time
• Build and maintain operational runbooks, escalation paths, and documentation for team-owned systems
• Drive production readiness as a continuous standard, not a one-time checklist

People management & team development

• Manage a team of engineers: this is a formal people manager role with full accountability for the team's performance and growth
• Own performance management: regular 1:1s, performance reviews, and direct, constructive feedback
• Own career development: growth planning, identifying opportunities, and building engineer capability over time
• Mentor engineers through code reviews, pairing, and delivery coaching
• Build a team culture that is organized, reliable, and focused on impact
• Manage team working norms, address blockers, and partner with the VP on people concerns that require escalation

About you

• 7+ years of hands-on experience in cloud infrastructure, DevOps, SRE, or platform engineering
• Demonstrated experience as a formal people manager or tech lead with direct reports: including performance management, career development, and building team capability
• Demonstrated experience leading technical delivery: owning timelines, driving sprint execution, and being accountable for what a team ships
• Ability to translate high-level technical direction into well-scoped, executable team work
• Comfort partnering with senior technical peers (Cloud Architect, VP) and sound judgment on when to consult vs. decide independently
• Strong hands-on experience with Terraform in production (modules, patterns, environment strategy, state management)
• Strong hands-on experience operating Kubernetes in production (EKS strongly preferred)
• Strong AWS fundamentals: practical experience with compute, networking, IAM, and production operations
• Experience building and maintaining CI/CD pipelines (GitLab CI preferred; GitHub Actions transferable)
• Strong observability fundamentals including metrics, logging, distributed tracing, SLO/SLI design, and alerting strategy: with experience evaluating and evolving observability practices at a platform level
• Experience building automation using Bash and a general-purpose language (Go or Python)
• Strong troubleshooting skills: you drive root cause analysis and implement long-term fixes
• Hands-on experience using AI coding tools (e.g., GitHub Copilot, Cursor, Claude) as a productivity multiplier in production engineering work
• Location Requirement: This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time.

Preferred qualifications

• Experience with Istio or other service mesh technologies
• Experience operating relational databases in AWS (RDS PostgreSQL/Aurora/MS SQL)
• Experience with AWS Lambda or serverless architectures
• Experience improving reliability for distributed systems at scale
• Prior experience as a technical anchor or team lead in a platform or infrastructure context
• Experience building or operating infrastructure that supports AI/ML workloads (compute, storage, serving patterns) in AWS

About the Role

Koalafi is building a net-new Non-Prime Installment Loan product — a greenfield initiative that expands our financing options for customers who don't fit traditional prime credit profiles. This is a meaningful product with real impact: more customers funded, more merchants closing sales they'd otherwise lose.

You'll be part of a focused product team (product manager + tech lead + engineers) responsible for integrating Koalafi's platform with a third-party loan servicing system and building the internal capabilities to support the full loan lifecycle — origination, servicing, payments, and communications. You'll be doing real work on a real product from day one, not maintaining something someone else built years ago.

That said, this isn't a build-in-a-vacuum situation. The NPIL product connects to existing Koalafi systems — origination, payments, communications — and you'll need to be comfortable rolling up your sleeves and navigating code you didn't write. That's the job. The ability to read an unfamiliar codebase, understand its intent, and make a clean change is just as important as building new things.

What You'll Do

Build and Deliver

• Implement microservices and event-driven workflows to integrate Koalafi's systems with a third-party loan servicing platform
• Build and maintain REST APIs that support loan origination, payment processing, and customer servicing operations
• Navigate and contribute to existing internal services where the NPIL product intersects with current Koalafi systems — reading unfamiliar code, understanding its intent, and making clean, well-scoped changes
• Develop frontend components in React/TypeScript to support customer-facing and internal tooling as needed
• Write code that is testable, observable, and built to last — not just built to ship

Collaborate and Contribute

• Work closely with the Tech Lead on system design and integration architecture
• Partner with Product and Compliance to understand requirements and translate them into reliable, compliant implementations
• Participate in code reviews — both giving and receiving feedback with the goal of raising the bar, not just checking a box
• Engage actively in sprint ceremonies: planning, retros, standups — contribute to the team's rhythm, not just your own ticket

Maintain and Improve

• Implement monitoring and alerting at integration points so issues surface before customers notice them
• Support audit logging and data reconciliation requirements inherent to a regulated financial product
• Identify and flag technical risk early — bad news early is always better than bad news late
• Leverage AI development tools to move faster and stay consistent with team patterns

About You

• 2–4 years of professional software engineering experience
• Hands-on experience building backend services in Golang
• Working knowledge of REST APIs, HTTP/JSON patterns, API authentication including bearer tokens and OAuth flows and API Testing tools like Postman, HTTPPIe
• Experience building or contributing to frontend applications; React/TypeScript preferred
• Familiarity with AWS, Kubernetes, and cloud-native deployment patterns
• Familiarity with observability concepts and tools like Dynatrace
• Familiarity with AGILE/Scrum principles, ceremonies and JIRA
• Solid testing instincts — unit, integration, and contract testing aren't afterthoughts for you
• Comfort navigating and contributing to unfamiliar codebases — not just greenfield builds
• Strong communication skills: you can explain what you're building and why, not just how
• Location Requirement: This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time

Preferred Requirements

• Experience with event-driven or asynchronous messaging patterns
• Background in fintech, lending, payments, or other financial services
• Familiarity with third-party financial platforms (LoanPro, Peach, Amount, or similar)
• Experience with feature flags and gradual rollout strategies
• Interest in leveraging AI tools to accelerate development velocity
• Secret Management using AWS Secret Manager

What You’ll Do 

Koalafi is seeking a Manager of Business Analytics to build the frameworks, measurement systems, and analytical foundations that ensure our product releases drive their intended impact—without unintended downstream consequences. This high-visibility role will own the definition, tracking, and automated monitoring of core KPIs across product journeys and operational workflows. This is an individual contributor role at the Manager level.

In this role, you’ll work primarily with Product, Engineering, and Analytics partners to design robust measurement strategies for existing and new initiatives, implement automated alerting for anomalies, and ensure that each release is evaluated against clearly defined success criteria. You will also lead key efforts to optimize the return customer experience, identify opportunities to improve mobile app engagement, and drive long-term product performance improvements.

This is a rare opportunity to establish the backbone of product analytics for a high-growth fintech company—while creating clarity, accountability, and data-driven decision-making across the organization.

KPI Definition, Tracking & Alerting

• Define and maintain the authoritative set of product KPIs across application flows, customer lifecycle stages, operational behaviors, and internal decisioning systems.
• Build product measurement frameworks and documentation that clearly articulate intended outcomes, guardrails, and dependence on upstream systems.
• Partner with product managers and engineering leads to integrate KPI measurement into release planning and acceptance criteria.
• Develop automated alerts to detect anomalies, degradation, or unexpected movement in key product metrics.
• Implement monitoring dashboards that give product and business stakeholders real-time visibility into performance.
• Establish processes to investigate, triage, and communicate the root cause of KPI changes.

Product Impact Evaluation

• Analyze the impact of new product releases, policy changes, and UX improvements using well-defined baselines and control groups.
• Ensure downstream effects across approval rates, customer behavior, repayment performance, or operational workflows are measured and understood.
• Provide clear insights and recommendations that influence product prioritization and roadmap decisions.

Customer and App Experience Optimization

• Review and optimize experiences for returning customers, including friction points, drop-off behavior, and policy interactions.
• Analyze mobile app engagement patterns to identify opportunities for UX enhancements, feature prioritization, and content improvements.
• Partner with product teams to design and evaluate experiments aimed at increasing engagement, conversion, and retention.

Cross-Functional Expansion

• Create a scalable measurement and alerting framework that can be extended beyond Product—next with Legal and Compliance.
• Work with these teams to define key compliance KPIs, build monitoring processes, and ensure alignment with regulatory expectations.
• Partner with cross-functional leads to drive clarity and shared ownership of analytical definitions.

About You (Qualifications) 

• Bachelor’s degree in a quantitative, analytical, or product-related field (e.g., Engineering, Statistics, Economics, Computer Science, Product Management).
• 4–6 years of experience in product analytics, business analysis, product management, or a related field.
• Strong experience defining and measuring KPIs within digital products, operational workflows, or financial systems, ideally in consumer lending or lease-to-own finance.
• Proficiency with SQL and experience analyzing large datasets.
• Experience building dashboards and automated monitoring systems (Tableau, Looker, or similar).
• Familiarity with experiment design, measurement strategy, and release evaluation frameworks.
• Comfortable working in an ambiguous, fast-paced environment and excited to build foundational systems from scratch.
• Excellent communication skills, with the ability to translate complex analytical findings into clear recommendations for product and business leaders.
• You have a growth mindset and are comfortable giving and receiving feedback to continuously learn and grow.
• Detail-oriented, proactive, and motivated by curiosity, structure-building, and continuous improvement.
• Location Requirement: This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time.

What You’ll Do

We are in search of a Customer Support Representative to assist in providing exceptional support to our growing merchant network. You will have the unique opportunity to grow alongside the company and help shape the future direction.

This associate will help manage all existing merchant relationships through daily inbound and outbound, proactive contact. This individual will be the point of contact for the merchant and a key contributor to client satisfaction, and responsible for addressing any questions regarding accounts or applications with timely and accurate information. You will be responsible for building deep relationships with our merchants and retail partners. We are looking for someone with strong customer service experience and sound judgment who is trustworthy and able to work quickly, efficiently, and independently. We are looking for a flexible, customer-oriented individual who is ready to hit the ground running & help us scale. In this role you will:

• Handle inbound calls from retailers to assist in lease or loan application processing.
• Own Koalafi operational knowledge to provide sound answers when merchants have questions.
• Ensure merchant confidence in Koalafi by providing excellent customer service through the entire financing experience.
• Foster ongoing relationship management with stores and make outbound calls to merchants, when appropriate.
• Conduct back-office processes, such as funding and report generation, to ensure a high-quality merchant experience.
• Be flexible to perform a number of different tasks as needed, as we continue to test out new technologies and onboard enterprise merchants.

About You (Qualifications)

• 1-2 years in a call center environment required
• Excellent verbal and written communication skills
• Experience proactively identifying trends in customer issues and surfacing to the right internal stakeholders
• Proficiency with the Microsoft Office Suite (Excel/Word)
• Ability to work independently and efficiently, both in-person and and on work from home days
• Experience working in a fast-paced, dynamic environment, with strong prioritization skills and ability to handle multiple responsibilities at once
• Bilingual in Spanish preferred
• Must be available to work nights and weekends
• Location Requirement: This position requires regular in-person attendance at our office (Richmond, VA). Candidates must already be located within a commutable distance to our office location, as relocation assistance is not available at this time.

What You’ll Do

Koalafi partners with thousands of merchants across the country to offer point-of-sale financing and receives over a million customer applications per year. As a Fraud Investigator, you will monitor and research risk signals for both customers and merchants that could indicate some form of fraud is being committed. This includes a risk assessment during onboarding of new merchants, ongoing monitoring/review of merchant performance, and review of applications flagged for potential fraud.

As a Fraud Investigator, you will look for systemic patterns in suspicious customer and merchant behavior and conduct deep dives/investigations to determine legitimacy. This includes identity theft, synthetic IDs, manipulated IDs, taking advantage of vulnerable persons, and taking advantage of family or friends. Fraud Investigators have several tools available to assist in their research, such as application data, internal system of record data, internet search data, and third-party fraud prevention tools. You will be expected to use these tools and call available telephone numbers to reach as accurate a conclusion as possible.

In this role you will:

• Identify systemic patterns in suspicious customer and merchant behavior and conduct investigations
• Review and evaluate all new merchant partners during onboarding, to ensure we are partnering with the right stores and good actors
• Manage inbound fraud claims and perform ad hoc research into uncommon scenarios that could indicate foul play
• Leverage tools such as application data, internal system of record data, internet search data, and third-party fraud prevention tools to reach accurate investigation conclusions
• Collaborate across multiple departments, such as Sales, Operations, Fraud Analytics, and Compliance

About You (Qualifications)

• 2+ years of relevant experience in fraud detection, investigation, or related financial services experience
• Strong pattern recognition and attention to detail, with a strong commitment to quality, accuracy, consistency, and confidentiality
• Ability to conduct thorough research using multiple data sources
• Experience documenting processes, procedures, and investigation findings
• Excellent verbal and written communication skills
• Strong interpersonal skills; you’re comfortable having difficult conversations with merchants
• Strong sense of ownership and motivation to stop fraudsters
• Proficiency in tools like Microsoft Excel and Word; familiarity with fraud databases or investigative platforms is a plus
• Ability to work independently and efficiently, both in-person and on work from home days
• Experience working in a fast-paced, dynamic environment, with strong prioritization skills and ability to handle multiple responsibilities at once
• Bilingual (English/Spanish) strongly preferred
• High school diploma, GED, or equivalent certification
• Location Requirement: This position requires regular in-person attendance at our office (Richmond, VA). Candidates must already be located within a commutable distance to our office location, as relocation assistance is not available at this time.

What You’ll Do

We are undertaking a modernization of our merchant portal used by retailers to run their Koalafi partnership every day. This is a high-visibility initiative with a direct impact on how merchants experience our brand and tools.

Your primary responsibility will be to lead the evolution of our merchant portal, a web-based platform to manage applications, track customer activity, access reports, and grow their Koalafi partnership. You’ll work with PMs and developers to research, prioritize, ideate, test, deliver, and track the success of designs shipped across the portal. Reporting to the Director of Product Design within a small and growing design team, you’ll have significant ownership and visibility. As a designer on a small team, you should also be able to flex into different projects and platforms across the company where needed.

• Lead the design efforts of our merchant portal, shaping how retailers manage applications, view customer activity, access reports, and discover marketing opportunities
• Collaborate closely with product managers, developers, and leadership to research, ideate, design, test, and deliver solutions aligned with user needs and business goals
• Track the success of shipped designs through product data and user feedback, iterating to improve experiences
• Contribute to and evolve the Koalafi Design System in Figma, ensuring consistency and quality across every surface of the portal
• Work with tools like Slack, Confluence, and Jira to stay in sync with cross-functional teams

About You

• 5+ years of experience in a UX/UI/product design role, working closely with product managers and developers throughout the design process
• Proven experience designing and shipping complex web applications or B2B portals, with a strong grasp of responsive design principles and web interaction patterns
• Expert-level Figma skills, including components, auto-layout, grids, slots, variables, and prototyping, plus fluency with Figma’s latest AI-powered features and a habit of staying current as tools evolves
• Experienced in running end-to-end design research and design thinking exercises, including user interviews, synthesis, and workshops, and turning those insights into clear design decisions
• Comfortable juggling multiple projects simultaneously within fast-paced development teams, balancing speed with craft and keeping work organized without dropping the ball
• Deep empathy for users, with the ability to conduct interviews, analyze feedback, and use product data to prioritize the right problems
• Ability (and eagerness) to present findings, proposals, and outcomes to leaders across the organization
• Experience contributing to or owning a shared design system, with a meticulous eye for detail, making sure spacing, hierarchy, and consistency are airtight so engineers don’t have to guess
• Experience in the fintech industry or working with financial products
• Location Requirement: This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time

Preferred Qualifications

• Experience in both B2B and B2C (or in B2B2C)
• Familiarity with accessibility and inclusive design principles
• Experience integrating AI tools into your design workflow, whether through Figma’s AI features, third-party plugins, or other tools that speed up research, ideation, or production

The Opportunity

As Director of Risk Operations, you will own end-to-end operational fraud prevention and risk review across both our merchant and customer portfolios. You will lead a team of six Fraud Investigators, setting the direction, building the processes, and developing the capabilities that allow Koalafi to scale its fraud prevention function as the business grows.

This is a hands-on leadership role at a company of ~220 people, meaning you will be both a strategic owner and an active contributor. You'll be expected to roll up your sleeves — diving into complex investigations, designing workflows, writing documentation, and coaching your team — while simultaneously thinking about how the function needs to evolve over the next 12-24 months.

The right person for this role sees process excellence and technology adoption not as administrative overhead, but as the core levers for building a fraud operation that punches above its weight. You are genuinely excited about AI and actively experimenting with how it can be applied to fraud workflows — not as a future aspiration, but as something you are doing right now.

What You’ll Own

Merchant Underwriting

• Oversee the risk assessment and approval process for all new merchant partners during onboarding
• Ensure the team is consistently applying sound underwriting judgment to evaluate merchant legitimacy, business quality, and fraud risk
• Develop and maintain underwriting standards, decision frameworks, and documentation that create consistency and auditability across the team
• Identify patterns in merchant approvals and denials that can inform policy improvements over time

Merchant Fraud Reviews

• Lead the ongoing monitoring and investigation of approved merchants exhibiting suspicious activity or abnormally poor account performance
• Build and refine the triggers, workflows, and escalation paths that govern when and how merchants are reviewed
• Own merchant disposition decisions — clear, escalate, restrict, or terminate — and ensure those decisions are well-documented and defensible
• Collaborate with Sales and Account Management on difficult merchant situations requiring cross-functional coordination

Proactive Customer-Level Fraud Reviews

• Oversee the review of customer applications flagged at medium risk levels — cases that scored above automatic approval thresholds but below automatic decline thresholds
• Ensure the team is applying consistent investigative standards using available tools including application data, internal systems, and third-party fraud prevention platforms
• Continuously evaluate queue volumes, disposition rates, and outcomes to identify opportunities to sharpen automated decisioning and reduce manual review burden

Reactive Customer-Level Fraud Reviews

• Own the intake and resolution process for inbound fraud claims, disputes, and complaints submitted through escalation channels
• Ensure timely, accurate, and compliant handling of all reactive cases in accordance with regulatory requirements and internal SLAs
• Identify systemic patterns in reactive volume that signal upstream process gaps or emerging fraud typologies

Post-Funding Account-Level Reviews

• Manage reviews triggered by suspicious activity at the account or customer level after funding has occurred
• Develop and refine the signals and rules that trigger post-funding review
• Collaborate with Fraud Analytics to ensure post-funding findings feed back into model development and strategy

How You'll Lead

• Team leadership: Directly manage a team of six Fraud Investigators, providing day-to-day coaching, structured feedback, and clear performance expectations
• Process development: Design, document, and continuously improve the workflows, decision frameworks, and standard operating procedures that govern every review type under your scope
• Training: Build and maintain a training program that onboards new investigators effectively and keeps the existing team sharp as fraud typologies and tools evolve
• Quality assurance: Establish a QA process to monitor decision consistency, catch errors, and create a feedback loop that raises the team's overall standard
• Cross-functional collaboration: Work closely with Fraud Analytics, Compliance, Sales, Operations, and Product to ensure Risk Operations is well-integrated into the broader business
• Escalation management: Serve as the final escalation point for complex or high-stakes cases that require senior judgment

AI and Technology

This role requires more than comfort with technology — it requires genuine curiosity and initiative in applying AI to fraud operations. You will:

• Actively experiment with AI tools (including large language models, automation platforms, and agentic workflows) to identify opportunities to improve investigator efficiency and decision quality
• Lead the evaluation and adoption of new fraud prevention technologies and third-party tools
• Work with Fraud Analytics and Engineering to scope and prioritize tooling investments that support the team
• Bring a point of view on where AI can realistically augment or automate portions of the fraud review workflow — and be willing to build and test those ideas, not just propose them

About You

 Experience

• 6+ years of experience in fraud operations, fraud investigations, or risk management within a financial services or fintech environment
• 2+ years of people management experience, with a track record of developing individual contributors
• Direct experience with merchant fraud, point-of-sale financing, or B2B2C financial products strongly preferred
• Familiarity with consumer regulatory requirements relevant to fraud and disputes (CFPB, FCRA, Reg E, UDAAP)

Skills and Orientation

• Strong process improvement orientation — you find poorly documented, inconsistent workflows genuinely uncomfortable and are motivated to fix them
• Excellent written communication skills; you write clear, structured documentation that others can easily follow
• Sharp pattern recognition and investigative instincts — you can identify what's anomalous and pursue it methodically
• Comfortable making and defending judgment calls in ambiguous situations with incomplete information
• Data literate — you can work with Excel and basic reporting tools to monitor team performance and identify trends; SQL familiarity is a plus
• Collaborative and low-ego; this is a small company and you'll need to work effectively across functions without a large support structure

Mindset

• Genuinely excited about AI and actively experimenting with how it applies to your domain — not waiting to be told, but exploring on your own
• Orientation toward building scalable systems rather than heroic individual effort
• Strong sense of ethics and confidentiality — you understand the sensitivity of the information this role handles
• Comfortable having difficult conversations with merchants, internal stakeholders, and leadership
• Motivated by catching fraud and building something that makes that easier over time

About the Role

Koalafi is seeking a strategic and transformational Senior Vice President of Product to lead our Product organization, which includes both Product Management and Product Design functions. Reporting to the CPTO, this executive will be responsible for the company-wide product strategy and roadmap, partnering closely with the CPTO and executive leadership team to shape the long-term direction of the business. 

As SVP of Product, you will lead a team of 6 direct reports and oversee the broader Product organization. You will elevate product thinking across the company, strengthen discovery and execution capabilities, and ensure our roadmap drives measurable customer and business outcomes. 

This role requires both visionary leadership and operational discipline, combining customer empathy, analytical rigor, and strategic judgment in a fintech environment where growth must be balanced with risk, compliance, and long-term portfolio performance. 

What You’ll Do 

Product Strategy & Business Impact 

• Co-create and refine Koalafi’s long-term product vision in partnership with the CPTO
• Define and own a multi-year product strategy aligned to company growth and profitability goals
• Translate strategic priorities into a clear, outcome-driven roadmap across product lines
• Identify new market opportunities, platform investments, and innovation bets
• Serve as the voice of Product in company-level strategic planning 

Fintech Product Leadership: Growth with Risk Discipline 

• Lead product strategy within a fintech environment, balancing customer growth, conversion, and revenue expansion with credit performance, compliance, and portfolio health
• Partner closely with Risk, Data Science, and Compliance to align product innovation with underwriting and regulatory guardrails
• Ensure product decisions consider unit economics, risk performance, underwriting impact, and long-term value creation
• Drive responsible experimentation within regulatory and credit constraints
• Build strong collaboration between Product, Risk, and Engineering to enable scalable, compliant growth 

Data-Driven Product Leadership & Optimization 

• Establish a culture of analytical rigor, experimentation, and continuous optimization
• Drive product decisions through customer insights, behavioral data, and financial performance metrics
• Partner with Data and Engineering to improve instrumentation, measurement, and reporting
• Champion structured experimentation practices, including:
• A/B and multivariate testing
• Funnel and approval rate optimization
• Cohort analysis and retention measurement
• Incrementality and impact evaluation
• Ensure every major product investment has clear KPIs tied to growth and/or profitability 

Roadmap Ownership and Execution  

• Be responsible for the company’s product roadmap and assist in high level prioritization of company goals
• Make high-impact tradeoff decisions across competing initiatives and investments
• Establish measurable key results, outcomes, and performance indicators for product success
• Balance near-term execution with long-term platform scalability and strategic differentiation
• Drive disciplined execution while protecting space for discovery and innovation 

Organizational Leadership & Team Development 

• Directly manage a team of Product and Design leaders and Senior ICs
• Build, scale, and structure the Product and Design organization to support company growth
• Recruit, retain, and develop top-tier talent across Product Management and Product Design
• Establish clear career paths, leadership expectations, and performance standards
• Foster a culture of accountability, ownership, and customer obsession
• Elevate the team by evangelizing learning and adoption of emerging technologies, such as AI capabilities for Product, Engineering, and Design, and regularly experiment with these technologies yourself  

Executive & Cross-Functional Leadership 

• Partner closely with leaders across Engineering, Risk, Sales, Marketing, Operations, Finance, and Customer Experience
• Align product strategy with go-to-market, financial planning, and operational objectives
• Communicate strategy, roadmap, and performance clearly to executives and the broader organization
• Influence at the board and investor level as needed 

About You 

• 12+ years of Product Management experience, including executive-level leadership
• Experience leading both Product Management and Product Design organizations
• Significant experience in fintech, financial services, credit, lending, or payments is a plus
• Demonstrated ability to balance growth initiatives with risk management and regulatory considerations
• Strong analytical and financial acumen; comfort managing to KPIs tied to revenue, margins, and risk-adjusted returns
• Deep experience with experimentation and optimization methodologies (A/B testing, funnel optimization, cohort analysis)
• Track record of building and developing high-performing product leaders
• Insatiable curiosity about AI and other emerging technologies that will evolve the nature of the Product role
• Passion for leading a team through an exciting time in Technology where the skills needed to succeed are ever-changing
• Exceptional executive communication and cross-functional influence skills 

About the role

You will help build the next generation of how our customers interface & apply for financing with Koalafi. Within the team you will champion and drive our front-end strategy as it continues to mature, and furthermore you will share your learnings with the broader Tech organization to help refine strategy within Tech as a whole. You’ll develop in the latest technologies as we continue to modernize legacy systems by moving to cloud-based micro-service platform(s), all while focusing on improving the customer experience by making it faster, simpler, and easier to use.

We want to deploy solutions early and often to find out what works and what doesn't, but we also want to ensure we are doing so in a targeted and analytical manner. Our new ecosystem utilizes technologies across the stack, including but not limited to: React, GoLang, Postgres, and Kubernetes within AWS. These services work in tandem with our legacy platforms, which are still a part of our core business and must be maintained as we continue to decommission them piece by piece. So, if you are a strong engineer with the ability to learn and adapt, we would love to hear from you!

What you’ll do

Delivery

• Work with Design and Product to improve and maintain the application experience for both our customers and merchant partners
• Review and understand high level feature requirements to propose implementation options and define user stories
• Collaborate cross-domain to further understand potential impacts and limitations of proposed requirements
• Actively engage in agile processes including sprint planning, retrospectives, and daily stand-ups
• Oversee delivery of features step by step: develop implementation plans, coordinate tasks with teammates, communicate with stakeholders, devise testing strategy, and deliver to production
• Help to evaluate priority, troubleshoot, and resolve bugs across the stack

Influence

• Research and implement emerging technologies to improve system performance and customer experience
• Drive front-end strategy within the team, with a focusing on maintainability and extendibility
• Champion new ideas to shape strategy for the Tech organization as a whole
• Act as a technical mentor, guiding engineers on best practices and modern standards pertaining to UI development
• Participate in code reviews to ensure high-quality standards as well as share knowledge across the team

Optimization

• Improve application observability to better understand customer behavior and identify areas for improvement
• Minimize application bundle size and load times to minimize friction
• Utilize AI tooling in day to day tasks to streamline implementation cycles

About you

• Four-year college degree in Computer Science/Engineering or Information Systems required
• 6+ years of experience with modern web technologies (React, Vue, Angular)
• React preferred
• Experience in UX from accessibility to user behavior to responsive/adaptive web design
• Knowledge of front-end tooling and best practices in areas such as state management, component libraries, and performance optimizations
• Experience in writing end to end test suites using tooling that simulates user behavior (Cypress, Playwright, etc.)
• Knowledge of building and consuming REST APIs using modern programming languages (Golang, Java, Node, Python, etc.).
• Golang preferred
• Understanding of HTTP/REST architecture and operation for APIs/Orchestration
• Knowledge of architecting and delivering applications in AWS
• Knowledge of scrum/agile software development process
• Exceptional analytical, conceptual, and problem-solving abilities
• Highly self-motivated and directed, with keen attention to detail
• Ability to work in a team-oriented, collaborative environment
• Excellent communication skills with strong EQ
• Location Requirement: This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time.
  
  

What You’ll Do

Are you a senior-level data scientist with a passion for building and deploying high-impact fraud or credit risk models? Koalafi is seeking an experienced Data Scientist to lead the development, deployment, and monitoring of machine learning models that sit at the core of our portfolio’s profitability. This role requires someone who thrives in an end-to-end environment—designing predictive models, operationalizing them in production, and ensuring they continue to perform in a dynamic market.

You will be a key contributor to Koalafi’s decisioning ecosystem, owning models that directly influence credit outcomes, fraud mitigation, and the financial performance of the company. Beyond technical expertise, you will bring strong business intuition, enabling you to translate modeling insights into strategic decisions. This position reports to the Manager of Data Science and regularly partners with senior leaders across Risk, Fraud, Analytics, and Technology.

Responsibilities

• Build, deploy, and maintain production-grade credit and fraud models that are foundational to our real-time decisioning platform and essential to portfolio profitability
• Own the full MLOps lifecycle—from feature engineering, model training, and experiment management to production deployment, performance monitoring, drift detection, and continuous optimization
• Architect and scale end-to-end ML pipelines, ensuring reliability, reproducibility, and seamless integration with core decisioning services
• Design robust model monitoring frameworks that enable tracing, profiling, explainability, and rapid root-cause analysis for production incidents or model degradation
• Partner with data science, risk, and engineering leaders to shape modeling strategy, improve credit policy, and strengthen fraud defenses in response to customer behavior and macroeconomic trends
• Drive continuous improvement of existing models, incorporating new data sources, advanced techniques, and rigorous validation processes
• Communicate complex model logic and insights to non-technical stakeholders, clearly linking modeling decisions to business outcomes and strategic priorities

About You

• 5+ years of hands-on experience building and deploying machine learning models, with a strong grasp of the end-to-end modeling lifecycle from feature engineering to validation and productionization
• 5+ years of professional experience writing performant, maintainable Python code in a collaborative production environment, leveraging core data science libraries like pandas, numpy, xgboost, and scikit-learn
• 2+ Years of experience working on Credit or Fraud risk models
• Proficient in SQL for querying, transforming, and analyzing large datasets, and comfortable working across relational databases and cloud-based data platforms
• Strong understanding of data structures, algorithms, and software engineering principles, and apply them to build robust and scalable data solutions
• Bachelor’s degree in a quantitative or STEM field (e.g., Statistics, Mathematics, Computer Science, Engineering) and demonstrate strong analytical and problem-solving skills in your work
• Location Requirement: This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time

Preferred Qualifications

• Advanced technical and analytical background, ideally with a Master’s or PhD in a quantitative or STEM field, and a strong understanding of probability, statistics, and predictive modeling algorithms (e.g., Boosting, Random Forests, Decision Trees, Bayesian models)
• Exposure to data and compute platforms such as Snowflake and Databricks
• Background in financial services or experience working in fast-moving, high-growth environments such as startups
• Experience with modern ML infrastructure and tooling, including MLOps frameworks (e.g., MLflow, BentoML), CI/CD automation, and model observability, monitoring, and lifecycle management
• Familiarity with large language models (LLMs) and their deployment in production environments

About the role

We’re looking for a Senior Salesforce Developer to help build and scale the core systems that power our go-to-market engine. This is a highly technical role for someone who loves building well-architected solutions, solving ambiguous platform problems, and working in a fast-paced environment where Salesforce is mission-critical. 

You will work closely with our Salesforce Architect and cross-functional partners across Sales, Marketing, Operations, Risk, and Legal. You’ll design and implement scalable Salesforce solutions, build integrations with key platforms like Marketo and Snowflake, and continuously improve the performance and reliability of our Salesforce ecosystem. 

This is a role where you will have real ownership, technical influence, and a direct impact on how the business operates.

What you’ll do

Salesforce Development & Platform Engineering 

• Build and maintain scalable solutions in Salesforce Sales Cloud and Service Cloud
• Develop high-quality Apex (synchronous + asynchronous), triggers, and batch jobs with a strong awareness of governor limits
• Design and implement robust Lightning Web Components (LWC) using modern best practices
• Build declarative automation using Flows where appropriate, balancing maintainability with technical complexity
• Apply structured trigger framework patterns and reusable design approaches to keep the codebase scalable
• Use Salesforce CLI and terminal-based tooling to support modern development practices
• Participate in source-controlled development workflows using Git 

Integrations & Data Systems 

• Design and maintain integrations between Salesforce and external systems using REST/SOAP APIs
• Support integrations with Marketo and Snowflake, ensuring clean data flows and system reliability
• Leverage platform events and event-driven patterns where appropriate
• Build secure, well-documented, scalable integration processes that support business growth 

DevOps, CI/CD & Deployment

• Contribute to CI/CD automation and deployment processes across Salesforce environments 
• Improve release reliability and reduce manual overhead through automation and best practices
• Ensure code quality and stability through testing discipline and deployment rigor 

Ownership, Support & Problem Solving 

• Serve as a technical escalation point for complex Salesforce issues
• Troubleshoot system performance problems, automation failures, and integration issues
• Own projects end-to-end: requirements → design → implementation → testing → deployment → iteration
• Write clear technical documentation, diagrams, and process flows for long-term maintainability 

About you

• 5+ years of professional Salesforce development experience
• Strong experience with Apex, triggers, batch jobs, async processing  
• Strong experience building production-grade Lightning Web Components
• Solid understanding of Salesforce security model, role hierarchy, profiles/permission sets, sharing rules, and validation rules
• Proven experience integrating Salesforce with external systems and APIs
• Comfort working in complex org environments with multiple stakeholders and evolving requirements
• Experience with Git-based workflows and source-driven deployments
• Strong communication skills with both technical and non-technical stakeholders
• Location Requirement: This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time.

Certifications 

• Salesforce Administrator (Required)
• Salesforce Platform Developer I & II (Required)
• Salesforce Certified Application Architect (Preferred) 

What You’ll Do

Koalafi is launching a new non-prime installment loan product, and we’re looking for an experienced Operations Manager to stand up and scale the operational infrastructure that will power it. This role is ideal for a hands-on operational leader who thrives in 0→1 environments. You will partner closely with the Principal Product Manager and other operational leaders who support our other products to develop the day-to-day execution processes. 

You’ll lead the development of our approach servicing operations, collections & recoveries, back-office processing, etc. - ensuring the product is compliant, scalable, and delivers a high-quality customer experience from day one. Navigating which of our existing functions is extensible to the loan product, and which require bespoke and dedicated solutions will be paramount. 

This is a high-impact, mid-level leadership role for someone who understands consumer lending operations and is excited to build and own something new from the ground up. This is an opportunity to build something from the ground up. You won’t just inherit a process — you’ll design it. You’ll work alongside strong product and executive leadership to bring a new lending product to market and shape the operational foundation that supports it. If you’re excited by ownership, impact, and building operational excellence in a regulated fintech environment, we’d love to meet you. In this role you will:

• Stand Up Core Loan Operations:
  • Design and implement operational workflows for functions such as customer service, delinquency management, and account maintenance - at times leveraging existing capabilities and at times build from scratch.
  • Build and document SOPs across all operational functions. 
  • Hire, onboard, train, and oversee staff to support initial and growing account volume. 
  • Establish service and monitor performance standards, SLAs, and QA frameworks. 
  • Build and manage internal and/or outsourced customer support teams.
• Collaborate with the Head of Collections & Recoveries to build & launch a delinquency management strategy: 
  • Design early-stage and late-stage collections strategies aligned with risk and compliance guidelines. 
  • Implement compliant outreach strategies (dialer, SMS, email, mail). 
  • Partner with Risk to monitor roll rates, delinquency curves, and recovery performance. 
  • Manage third-party agencies and recovery vendors, where applicable. 
• Oversee Back-Office & Compliance Operations: 
  • Monitor complaint handling and regulatory response processes. 
  • Build, document and oversee exception account handling (e.g., deceased, bankruptcy, credit bureau disputes, etc.) 
  • Prepare operational reporting to support audits, compliance reviews, and executive oversight. 

What Success Looks Like 

• A fully operational servicing function is in place ahead of product launch. 
• Customer support and collections teams are trained, compliant, and performing against clear KPIs. 
• Early delinquency and recovery strategies are implemented and producing measurable results. 
• Operational processes are documented, scalable, and audit-ready. 
• The installment product delivers a strong, compliant customer experience while maintaining disciplined cost-to-serve. 

Who This Role Is For 

• You are an operational leader with experience in consumer lending, fintech, or financial services. 
• You’ve helped launch or scale servicing functions for installment loans, personal loans, or similar credit products. 
• You’re comfortable building processes from scratch and bringing structure to ambiguity. 
• You understand how customer experience, risk management, and compliance intersect in lending operations. 
• You’re hands-on enough to build the playbook — and strategic enough to improve it over time. 

About You (Qualifications)

• 5–8 years of experience in consumer lending operations, servicing, collections, or related functions. 
• Experience with installment loans, personal loans, or other regulated consumer credit products strongly preferred. 
• Direct experience managing customer service and/or collections teams (internal or outsourced). 
• Familiarity with loan servicing platforms, dialers, CRM systems, and payment processing tools. 
• Working knowledge of consumer lending regulatory frameworks (FDCPA, UDAAP, FCRA, state lending regulations). 
• Strong analytical skills with experience building and managing operational KPIs. 
• Excellent cross-functional collaboration skills and comfort working with Product, Risk, Legal, and Engineering partners.
• Location Requirement: This position requires regular in-person attendance at our office location (Richmond, VA). Candidates must already be located within a commutable distance, as relocation assistance is not available at this time.