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Salary: USD 127,500 - 140,000 / annual
Kafene is a fintech company revolutionizing the lease-to-own space with AI-powered underwriting. The company has originated over $500 million and serves prime and non-prime customers across furniture, appliances, electronics, tires, and durable goods.
As a Risk Manager reporting to the VP of Risk, you will be a key driver of growth by building profit-driven consumer underwriting strategies. You will work with complex data sources and machine learning to optimize credit risk, fraud risk, and other factors across the entire account lifecycle—from underwriting through portfolio management to collections.
Key responsibilities include:
- Monitor acquisition, portfolio, and collection performance metrics including consumer credit risk, fraud risk, lease terms, and channel performance
- Integrate complex data sources (bureau data, alternative data, behavioral signals, macroeconomic indicators, internal portfolio data) to generate actionable insights
- Conduct statistical and decision-tree analyses to identify root causes and business opportunities
- Present findings to leadership and partner with technology teams to implement and validate strategies
- Continuously monitor risk strategies to improve financial performance and customer/merchant experience
You will need a Master's degree in a quantitative discipline (Statistics, Economics, Business/Data Analytics, or similar) and 18+ months of experience building quantitative and statistical models in consumer financial lending or lease-to-own. Proficiency required in Python, R, and Excel for statistical analysis, pivot tables, and decision-tree modeling tools.
Kafene is a 150-person team based in NYC with offices in Wilmington and remote talent globally. The company has been recognized by Built In as a Startup to Watch and by Forbes as one of the Best Startup Employers.
