Senior Product Manager - Credit Decisioning Platform

Senior Product Manager - Credit Decisioning Platform

Arlington, Virginia or Richmond, Virginia

At Koalafi, we believe in a world where no one has to put an important purchase on hold. That’s why we’re making it easier for more people to pay for big purchases over time.

Retailers across the country rely on us to offer flexible lease‑to‑own financing to their non‑prime consumers, while increasing sales and strengthening customer loyalty. Their 2M+ customers love us because we provide a flexible way for them to make payments and give them an opportunity to improve their credit. Our 200+ Koalafi teammates enjoy inspiring and challenging work that accelerates their careers.

Interested in learning more about how we’re transforming the financing experience and joining our team?

We’re looking for a Senior Product Manager to help own and evolve Koalafi’s Credit Decisioning Platform: the core capabilities that power underwriting, eligibility, pricing, and risk management across our financing products. This platform sits at the intersection of product, engineering, data and risk—and is foundational to Koalafi’s growth, profitability, and customer experience.

You’ll be the embedded, day‑to‑day Product Manager for the Credit Decisioning engineering team, owning the roadmap, delivery, and performance of the platform. The platform is mid‑transformation—we’re rebuilding core infrastructure to be faster, more configurable, and ready to scale, unlocking key company initiatives along the way.

This role is ideal for a systems‑minded product manager who thrives when solving hard product and systems problems, where decision logic, data, models, and workflows must work together  have enough technical fluency to partner closely with engineers, data scientists, and cross‑functional stakeholders, and know how to ask strong questions and translate business and credit risk strategy into clear platform capabilities. You’ll align cross‑functional leaders on a strategy and roadmap to advance the decisioning platform as an engine for growth and profitability—accelerating new products and partners without compromising risk discipline.

• Own and drive the roadmap for Koalafi’s Credit Decisioning Platform
• Lead prioritization and facilitate thoughtful tradeoffs with key stakeholders balancing business impact, risk outcomes, and platform health
• Align Engineering, Risk, Data Science, and cross‑functional stakeholders on what matters most and why
• Lead ongoing discovery with stakeholders to surface needs and gaps, then translate both business strategy and individual use cases into cohesive, reusable platform capabilities
• Lead delivery as the embedded product manager for the Credit Decisioning engineering team
• Partner continuously with engineering to define the what and the why, while empowering the team to determine the how
• Maintain a prioritized backlog with crisp epics and stories, clear acceptance criteria, and measurable outcomes
• Lead the team’s delivery cadence, participating in agile ceremonies to ship reliably and improve iteration speed
• Define success metrics and measurement plans, ensure releases are instrumented and outcomes are reviewed post‑launch
• Shape the platform to enable faster risk strategy iteration, seamless multi‑merchant journeys, and safe scaling
• Empower the Risk team to iterate on decisioning logic quickly and safely through configurable, self‑serve platform capabilities
• Build the decisioning platform primitives that unlock seamless, multi‑merchant financing journeys for consumers
• Drive operational excellence by treating performance, reliability, observability, auditability, and decision explainability as foundational requirements

• Koalafi’s Credit Decisioning Platform is trusted, extensible, and measurably improving business outcomes
• New products, partners, customer experiences, and decision strategies launch faster because the platform supports evolving needs without rework or fragility
• Engineers move faster with crisp product direction, strong prioritization, and clear definitions of success
• Stakeholders understand how decisioning platform investments connect to growth, profitability,…