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Salary: USD 95,000 - 140,000 / annual
Kafene is a fintech company revolutionizing the lease-to-own space with AI-powered point-of-sale solutions. The company has processed over $500 million in originations and serves retailers across furniture, appliances, electronics, tires, and durable goods. With 175 employees across NYC headquarters, Wilmington, and remote locations, Kafene has been recognized as a Startup to Watch by Built In and a Best Startup Employer by Forbes.
As a Risk Manager, you will be a core member of the risk team, driving healthy business growth through data-driven merchant risk strategies. Your primary responsibilities include conducting statistical analyses on complex data sources—third-party vendor data, internal performance metrics, and machine learning models—to develop underwriting recommendations and assess merchant profitability. You will monitor and optimize merchant underwriting policies and processes, balancing loss control with strong partnerships.
You will design and maintain Sigma reporting dashboards, track merchant engagement and performance across dimensions, and ensure profitability at scale. Cross-functional collaboration is essential: you'll partner with sales and operations teams to deliver customized merchant treatments and with data and engineering teams to enhance treatment capabilities. You will investigate merchant fraud cases, identify patterns, and implement preventive measures. Technical work includes leveraging Python, R, SQL, and decision-tree analysis tools to identify root causes and business opportunities. Clear communication of findings through summaries, presentations, and documentation is expected.
The ideal candidate holds a Master's degree in a quantitative discipline (Statistics, Operations Research, Economics, Engineering, Data Science, or STEM major) and brings 2+ years of experience in lease-to-own or financial services. You must have high-level proficiency in Python, SQL, R, or similar analytical tools, strong P&L analytical experience, and familiarity with decision-tree approaches. A sense of ownership, urgency, and collaborative mindset are essential.
