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Salary: USD 225,000 - 325,000 / annual
Kafene is a fintech company revolutionizing the lease-to-own space with AI-powered risk assessment and pricing. The company has processed over $500 million in originations and serves retailers across furniture, appliances, electronics, tires, and durable goods.
As VP of Portfolio Economics, you will own the core question: are we pricing risk correctly and is the portfolio earning what it should? This is a high-impact individual contributor role reporting jointly to the CEO and CFO, with potential to build a small team as the function matures.
Key responsibilities include:
- Owning the portfolio profitability framework across unit margins, expected returns, and concentration limits by merchant, vertical, channel, score band, and cohort
- Building and maintaining recurring reporting on projected/realized yield, cash-on-cash returns, expected profit by vintage, and emerging risks
- Driving portfolio economics levers (pricing, markup structures, EPO discounts, approval rates/amounts, take rates) and coordinating across finance, risk, and revenue functions
- Identifying underperforming segments and quantifying fixes through repricing, restructuring, or exits
- Designing bespoke programs for high-value merchants and building evaluation frameworks for program requests
- Designing and evaluating profit tests, measuring elasticity and adverse selection impacts
- Operating fluently with Sigma and Snowflake for daily analytical work
- Translating findings into concrete P&L-driven recommendations for executive leadership
You will need deep working fluency in consumer credit and lending unit economics, with lease-to-own or specialty consumer finance experience preferred. SQL proficiency is required and will be verified through a live analytical exercise during the interview process. The role demands analytical rigor paired with commercial judgment and game theory thinking—understanding that pricing decisions interact with volume, merchant relationships, and funding costs. You thrive as an individual contributor solving hard problems rather than managing teams on day one.
Compensation includes base salary of $225,000–$325,000 plus equity. Benefits include 80% coverage of medical, dental, and vision insurance for employee and dependents, 401(k), and flexible PTO from day one.
