Financial Data Analyst

At Koalafi, we believe in a world where no one has to put an important purchase on hold. That’s why we’re making it easier for more people to pay for big purchases over time. Retailers across the country rely on us to offer flexible lease-to-own financing to their non-prime consumers, while increasing sales and strengthening customer loyalty. Their 2M+ customers love us because we provide a flexible way for them to make payments and give them an opportunity to improve their credit. Our 200+ Koalafi teammates enjoy inspiring and challenging work that accelerates their careers. Interested in learning more about how we’re transforming the financing experience and joining our team? About the Opportunity We 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, par