Manager of Business Analytics - Fraud

Koalafi provides flexible lease-to-own financing that helps consumers make important purchases while supporting retailers and customer loyalty. The Manager of Business Analytics - Fraud will lead analytical efforts to develop and optimize fraud policies, evaluate fraud defense capabilities and data sources, and strengthen fraud monitoring and reporting. The role partners with Product, Engineering, Risk Operations, Analytics, and Data teams to embed effective fraud controls and support responsible growth.

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:

• 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