Business Analyst - Strategic Finance

Koalafi•Arlington, VA

About The Position

Koalafi is seeking a Financial Data Analyst to join its Finance team in a role spanning financial planning and analysis and capital markets. The analyst will own core components of forecasting and planning cycles, develop portfolio- and merchant-level analytics to guide strategic decisions, and support the company’s funding strategy and lender relationships. The position offers a broad scope across forecasting, statistical modeling, unit economics, and asset-backed financing. The role supports quarterly Outlook forecasts and the annual budget and plan across originations, portfolio performance, and profitability. It includes maintaining parts of the corporate forecasting model, analyzing portfolio payment behavior, delinquency roll rates, and charge-offs, and developing scenarios and sensitivities for strategic decisions and liquidity stress testing. The analyst will also explain variances against budget and outlook to senior leadership. For capital markets, the analyst supports management of asset-backed debt facilities, covenant monitoring, borrowing-base reporting, draw and repayment analyses, lender and investor communications, portfolio analysis, and credit performance forecasts. The role also involves researching capital markets trends, funding innovations, and peer strategies. The analyst develops merchant- and product-level unit economics and net cash flow analyses, uses SQL and large operational datasets to create data models, dashboards, and self-service reporting, and prepares monthly financial review materials and ad hoc analyses. The role collaborates with Risk, Accounting, Sales, and Operations to align forecasts, metrics, and reporting, and improves processes by automating workflows and using modern tools, including AI. The position may be based in Richmond, Virginia; Arlington, Virginia; or remotely within the United States. Associates near an office may work in-office, hybrid, or remotely. Standard working hours are 9 a.m.–5 p.m. Eastern Time, with flexibility to accommodate other time zones.

Requirements

Bachelor’s degree in Finance, Economics, Business, Engineering, or a quantitative field.
2–5 years of experience in data or business analytics, FP&A, strategic finance, capital markets, investment banking, or financial services analytics.
Expertise writing SQL for data analysis, metric reporting and tracking, and dataset creation.
Experience working with large, complex datasets to solve ambiguous, open-ended problems.
Advanced Microsoft Excel proficiency, including complex formulas, pivot tables, and data analysis.
Ability to investigate the reasons behind results, independently follow evidence, identify root causes, and develop actionable insights.
Confidence supporting multiple senior stakeholders and prioritizing competing workstreams.
Excellent written and verbal communication skills, including the ability to distill complex analysis into concise takeaways.
Comfort working in a fast-paced, dynamic environment with ambiguous problems and evolving priorities.

Nice To Haves

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 business intelligence tools such as Tableau to build dashboards and track KPIs.
Experience applying AI tools to accelerate analysis and reporting.

Responsibilities

Support quarterly Outlook forecasts and the annual budget and plan across originations, portfolio performance, and profitability.
Build and maintain components of the corporate forecasting model, including analysis of 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 and communicate the drivers in clear narratives for senior leadership.
Support management of 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 investor-meeting materials.
Develop credit performance forecasts, including delinquency and prepayment behavior, to inform funding strategy and capital planning.
Research capital markets trends, funding innovations, and peer strategies.
Build merchant- and product-level unit economics and net cash flow analyses to inform pricing, growth, and capital allocation.
Use SQL and large operational datasets to build data models, dashboards, and self-service reporting.
Support monthly financial review materials and ad hoc analyses in response to executive questions.
Monitor competitor and market performance and synthesize implications for the business.
Partner with Risk, Accounting, Sales, and Operations to align forecasts, metrics, and reporting logic.
Improve internal processes, automate workflows, and use modern tooling, including AI, to increase analysis speed and accuracy.