Business Analyst - Strategic Finance
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 data/business analytics, FP&A, strategic finance, capital markets, investment banking, or financial services analytics
Expertise in writing SQL for data analysis, metric reporting/tracking, and creating datasets
Experience working with large, complex datasets to tackle ambiguous, open-ended problems
Curious about the "why" behind the numbers digging into data and independently following the evidence to identify root causes and actionable insights
Confident supporting multiple senior stakeholders and prioritizing across competing workstreams
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, particularly subprime or non-prime lending
Foundational knowledge of asset-backed lending, securitization, and debt capital markets
Python experience for financial analysis and forecasting
Demonstrated experience using BI tools (e.g., Tableau) to build dashboards and track KPIs
Experience applying AI tools to accelerate analysis and reporting
Location: Richmond, VA; Arlington, VA; or Remote (U.S.). Associates near one of our office locations may work in-office, hybrid, or remotely. Remote opportunities are available to candidates throughout the United States.
Salary Range: $101,000-$131,000 per year (depending on experience and location)
Additional Compensation: This position will be eligible to participate in company bonus plan.