Kafene
51 - 200 employees
Founded 2019
💳 Fintech
🤝 B2B
💰 $15M Debt Financing - Kafene on 2024-01
Fintech • B2B
Kafene is a consumer finance company that offers flexible lease-to-own and point-of-sale financing solutions for merchants and customers, especially those with limited or no credit history. It uses a data-driven underwriting approach (over 20,000 data points) and personalized pricing to approve customers quickly—often with a 60-second application—and funds leases up to $5,000. Kafene partners with retailers to increase conversion, average order value, and access customers across all credit profiles through seamless POS integrations and customizable merchant programs.
Senior Risk Analyst
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Kafene
51 - 200 employees
Founded 2019
💳 Fintech
🤝 B2B
💰 $15M Debt Financing - Kafene on 2024-01
Fintech • B2B
Kafene is a consumer finance company that offers flexible lease-to-own and point-of-sale financing solutions for merchants and customers, especially those with limited or no credit history. It uses a data-driven underwriting approach (over 20,000 data points) and personalized pricing to approve customers quickly—often with a 60-second application—and funds leases up to $5,000. Kafene partners with retailers to increase conversion, average order value, and access customers across all credit profiles through seamless POS integrations and customizable merchant programs.
📋 Description
• Evaluate new merchant applications using approved decision frameworks; assess profitability to identify the optimal deal that balances merchant demand with company margin requirements in a timely manner, and clearly document the rationale for decisions. • Review special pricing or product requests from existing merchants and recommend the best offer based on performance history and approved profitability analysis; deploy treatments in a timely manner. • Monitor portfolio performance against risk appetite and proactively recommend treatments, risk and pricing adjustments or termination to maintain a healthy merchant base. • Build and maintain Sigma reports to track acquisition funnel, portfolio performance, credit risk, fraud risk, and other key metrics across the merchant lifecycle; translate insights into concise, executive-ready recommendations that enable leaders to act quickly and confidently. • Partner closely with Sales to structure and deploy individual merchant treatments; track outcomes and report results. • Collaborate with the Technology team to ensure timely, quality implementation of decisioning rules and system changes, including test validation.
🎯 Requirements
• Bachelor's or Master's degree in Statistics, Economics, Engineering, Data Science, Operations Research, or another quantitative STEM field. • 3+ years of experience in credit risk, underwriting, pricing, or strategy analytics, preferably in fintech, payments, or lending. • Familiarity with P&L concepts to balance revenue growth objectives with loss control discipline. • Hands-on experience building dashboards and reports in Sigma, Tableau, or equivalent BI tools, with demonstrated ability to extract business insights from complex datasets and present them clearly to non-technical stakeholders. • Strong analytical mindset with the ability to perform root cause analysis, recognize patterns, and attention to detail to ensure quality from analysis through deployment and outcome tracking. • Strong sense of ownership; able to manage multiple priorities and respond to partner requests with urgency and a collaborative spirit. • Proficiency in SQL and Excel; experience with Python, R, or decision tree analysis is a plus. • Experience in merchant partnership management or B2B lending is a plus • Experience working with complex relational databases and large transaction-level datasets.
🏖️ Benefits
• Healthcare Stipend: We prioritize your well-being by covering medical, dental, and vision insurance costs. • Paid Time Off: We value work-life balance, which is why we offer flexible paid time off starting from your first day of employment.
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