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?

The Opportunity As Director of Fraud Operations, you will own end-to-end operational fraud prevention and risk review across both our merchant and customer portfolios. You will lead a team of six Fraud Investigators, setting the direction, building the processes, and developing the capabilities that allow Koalafi to scale its fraud prevention function as the business grows. This is a hands-on leadership role at a company of ~220 people, meaning you will be both a strategic owner and an active contributor.

You'll be expected to roll up your sleeves — diving into complex investigations, designing workflows, writing documentation, and coaching your team — while simultaneously thinking about how the function needs to evolve over the next 12-24 months. The right person for this role sees process excellence and technology adoption not as administrative overhead, but as the core levers for building a fraud operation that punches above its weight. You are genuinely excited about AI and actively experimenting with how it can be applied to fraud workflows — not as a future aspiration, but as something you are doing right now.

Requirements

and internal SLAs Identify systemic patterns in reactive volume that signal upstream process gaps or emerging fraud typologies Post-Funding Account-Level Reviews Manage reviews triggered by suspicious activity at the account or customer level after funding has occurred Develop and refine the signals and rules that tr