Manager of Business Analytics - Fraud

Koalafi is a company focused on transforming the financing experience by providing flexible lease-to-own financing options. The Manager of Business Analytics – Fraud will lead efforts to develop and optimize fraud risk strategies, ensuring effective fraud defenses are integrated across products and operations while supporting the company's growth initiatives.

Responsibilities:

• 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
• 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
• 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
• 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

Requirements:

• 5+ years of experience in an analyst, data science, or consulting role
• 3+ years of experience in fraud risk analytics
• 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
• Bachelor's degree in a quantitative field such as Statistics, Mathematics, Economics, Business, or Engineering preferred
• Experience in consumer financing industry, such as credit cards, personal loans, auto loans, BNPL, or similar fields