Kafene is revolutionizing the lease-to-own space. We're the point-of-sale powerhouse making flexible lease-to-own accessible to everyone—prime and non-prime customers alike. Our secret weapon? Cutting-edge AI and machine learning that analyzes 20,000+ data inputs in real-time, empowering retailers across furniture, appliances, electronics, tires, and durable goods to say "yes" to more customers.
The numbers tell our story: over $500 million in sales and counting. But we're just getting started.
Our 150-person team spans NYC headquarters, Wilmington, and remote talent across the globe—all united by a culture that thrives on collaboration, innovation, and genuine support. We don't just talk about great workplace culture; we deliver it. That's why and .
Ready to be part of the fintech revolution? Join us.
The Business Development Manager (BDM) is a critical driver of growth at Kafene, responsible for identifying, signing, and onboarding new retail partners. The BDM will build and maintain relationships with key stakeholders, focusing on expanding Kafene’s footprint across target industries, such as furniture, appliances, and other durable goods. This role demands a strategic thinker with a hunter mentality who thrives in a fast-paced, entrepreneurial environment.
This is a remote role based out of Hartford, CT or Bridgeport, CT. Candidates must be located within a 100-mile radius of those cities to be eligible.
What you’ll do:
Identify and target prospective retail partners within designated industries and geographic regions.
Conduct outbound sales activities, including cold calls, email campaigns, and in-person visits, to engage decision-makers.
Present Kafene’s value proposition and financing solutions tailored to retailer needs.
Develop and execute a robust business development plan to meet and exceed sales targets.
Collaborate with internal stakeholders to align sales strategies with company objectives and market trends.
Establish internal relationships with the account management team to ensure an efficient handoff of retailers to their account managers.
Partner with the account management team to onboard retailers.
Monitor and analyze market trends, competitor activities, and customer feedback to identify opportunities and challenges.
Provide insights and recommendations to the leadership team to enhance Kafene’s product offerings and market positioning.
Work closely with the Account Management team to ensure newly signed retailers are effectively transitioned and supported in their first 90 days.
Partner with marketing and product teams to refine messaging, promotional materials, and sales tools.
Who you are:
You have 3+ years of experience in B2B business development specifically in an outside/field sales role, preferably within fintech or retail.
You have a proven track record of consistently meeting or exceeding sales targets and driving significant revenue growth.
You possess a strong understanding of retail operations and financing solutions, with the ability to leverage this knowledge to drive success.
You excel in communication, negotiation, and presentation, with the ability to engage and influence stakeholders at all levels.
You are self-motivated, with a strong ability to work independently and collaborate effectively within a team environment.
You are proficient in CRM software (e.g., Salesforce) and the Microsoft Office Suite, ensuring seamless management of sales processes and communication.
You must have a valid driver's license, as this role requires regular travel to client sites.
Compensation and Benefits:
Base Salary: Earn a competitive base salary of $80,000 to $95,000, with OTE between $140-200K
Healthcare: We prioritize your well-being by covering 80% of medical, dental, and vision insurance costs, including coverage for your spouse, children, and other dependents.
Retirement Benefits: Begin planning for your future from day one with our 401K plan.
Paid Time Off: We understand the importance of work-life balance. That's why we offer flexible paid time off days starting from day one of your employment.
We're building a team as diverse as the customers we serve. Kafene is proud to be an equal-opportunity employer, and we mean it. We welcome qualified applicants of every race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, veteran status, and all other legally protected characteristics.
Need accommodation during the application process? We've got you. If you're applying for a U.S. position and require reasonable accommodation at any stage, reach out to careers@kafene.com with details about your request and contact information. We're here to help make the process work for you.
Note: This email address is specifically for accommodation requests and will only respond to those inquiries.
Listed by Kafene for a position based in the United States. Employers on this board attest they are hiring domestically.
Get to Know Us
Kafene is revolutionizing the lease-to-own space. We're the point-of-sale powerhouse making flexible lease-to-own accessible to everyone—prime and non-prime customers alike. Our secret weapon? Cutting-edge AI and machine learning that analyzes 20,000+ data inputs in real-time, empowering retailers across furniture, appliances, electronics, tires, and durable goods to say "yes" to more customers.
The numbers tell our story: over $500 million in originations and counting. But we're just getting started.
Our 175-person team spans NYC headquarters, Wilmington, and remote talent across the globe—all united by a culture that thrives on collaboration, innovation, and genuine support. We don't just talk about great workplace culture; we deliver it. That's why Built In named us a Startup to Watch https://www.linkedin.com/company/built-in/?lipi=urn%3Ali%3Apage%3Ad_flagship3_detail_base%3B2jXPbPYzTW6P2Su6%2BfrBvw%3D%3D and Forbes recognized us as one of the Best Startup Employers https://www.forbes.com/sites/rachelpeachman/2023/03/07/meet-americas-best-startup-employers-2023/?sh=5a67d150410c.
Ready to be part of the fintech revolution? Join us.
The VP of Portfolio Economics owns the question at the center of the company: are we pricing risk correctly, and is the portfolio earning what it should? You will own pricing and portfolio profitability end to end — from lease-level unit economics to merchant- and vintage-level returns — and turn that analysis into decisions risk, revenue and finance can implement.
This is a high-impact individual contributor role, reporting jointly to the CEO and CFO. As the function matures, there is potential to build a small team around portfolio economics — but the near-term job is to be hands on keys doing the work.
What You’ll Do
- Own the portfolio profitability framework: unit margins, total dollar expected returns, concentration limits — by merchant, vertical, channel, score band, and cohort
- Build and maintain the recurring reporting for portfolio economics — projected and realized yield, cash on cash returns, expected profit by vintage, merchant cohort performance, emerging risk and concentration issues
- Drive every lever that moves portfolio economics — pricing, markup structures, early purchase option (EPO) discounts, approval rates, approval amounts, take rates — and own the portfolio-level outcome that results. Individual levers are jointly operated by finance, risk, and revenue; this role coordinates their interaction, identifies the trades worth making, and optimizes them across functions
- Identify where the portfolio can be improved, determine which segments, merchants, or verticals earning below target, and quantify the fix: reprice, restructure, or exit
- Design bespoke programs for the highest-value merchants, working directly across functions to structure programs that optimize wallet share or margin to maximize EV.
- Build and own the evaluation framework that governs bespoke program requests across the rest of the portfolio — the systematic process by which those requests get assessed, approved, or declined
- Design and evaluate profit tests; measure elasticity, adverse selection, and the downstream impact on funded volume and returns
- Operate with fluency within the company's data and analytics tools (Sigma and Snowflake); this is a daily, non-negotiable part of the job
- Translate findings into concrete recommendations with a clear P&L rationale that the CEO and CFO can act on
What You’ll Bring
- You personally sort through our robust data using SQL (or equivalent) and are comfortable doing so every day — this is verified in the interview with a live analytical exercise
- Deep working fluency in consumer credit and lending unit economics: pricing and yield mechanics, vintages, cash-on-cash, cohort dynamics; lease-to-own or specialty consumer finance experience is a strong plus
- Analytical rigor paired with commercial judgment and a game theory mindset— you understand that pricing decisions are made against volume, merchant relationships, and funding costs, not in a vacuum
- You thrive as a party of one — you want to own a hard problem, not manage a team or build a function on day one
- Likely backgrounds: quant trading, pricing or portfolio strategy at a lender or fintech; credit or structured-finance investor; strategic finance at a specialty finance company; risk or data science with strong P&L orientation
How We'll Assess You
The core of the process is a live, ambiguous analytical exercise against a sanitized business dataset — a pricing or profitability problem. We're evaluating how you structure the investigation, whether you go to the data yourself, and whether you land a clear, actionable recommendation at the end.
Compensation and Benefits:
- Base Salary: $225,000–325,000 along with an equity package
- Healthcare: We prioritize your well-being by covering 80% of medical, dental, and vision insurance costs, including coverage for your spouse, children, and other dependents.
- Retirement Benefits: Begin planning for your future from day one with our 401k plan.
- Paid Time Off: We understand the importance of work-life balance. That's why we offer flexible paid time off days starting from day one of your employment.
We're building a team as diverse as the customers we serve. Kafene is proud to be an equal-opportunity employer, and we mean it. We welcome qualified applicants of every race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, veteran status, and all other legally protected characteristics.
Need accommodation during the application process? We've got you. If you're applying for a U.S. position and require reasonable accommodation at any stage, reach out to careers@kafene.com with details about your request and contact information. We're here to help make the process work for you.
Note: This email address is specifically for accommodation requests and will only respond to those inquiries.
Listed by Kafene for a position based in the United States. Employers on this board attest they are hiring domestically.
Kafene is revolutionizing the lease-to-own space. We're the point-of-sale powerhouse making flexible lease-to-own accessible to everyone: prime and non-prime customers alike. Our secret weapon? Cutting-edge AI and machine learning that analyzes 20,000+ data inputs in real-time, empowering retailers across furniture, appliances, electronics, tires, and durable goods to say "yes" to more customers.
The numbers tell our story: over $500 million in originations and counting. But we're just getting started.
Our 150-person team spans NYC headquarters, Wilmington, and remote talent across the globe, all united by a culture that thrives on collaboration, innovation, and genuine support. We don't just talk about great workplace culture; we deliver it. That's why Built In named us a Startup to Watch https://www.linkedin.com/company/built-in/?lipi=urn%3Ali%3Apage%3Ad_flagship3_detail_base%3B2jXPbPYzTW6P2Su6%2BfrBvw%3D%3D and Forbes recognized us as one of the Best Startup Employers https://www.forbes.com/sites/rachelpeachman/2023/03/07/meet-americas-best-startup-employers-2023/?sh=5a67d150410c.
Ready to be part of the fintech revolution? Join us.
The Associate Regional Business Consultant is a field-based, entry-level Account Management role focused on merchant onboarding, in-store execution, and driving early program adoption across a defined territory. It's the starting point of our sales track, built for developing professionals who want a real foundation in account management and field sales.
This is a remote role based in Chicago, IL. Candidates must be located within a 100-mile radius of Chicago to be eligible.
WHAT YOU’LL DO
- Merchant Relationship Management: Own an assigned portfolio of merchant accounts within the territory, conduct regular field visits to build relationships with store managers and staff, and serve as the day-to-day point of contact for merchant needs while building trust and rapport
- Onboarding and Training: Execute new merchant onboarding and in-store training, drive applications and reinforce adoption behaviors all with urgency after onboarding
- In-Store Execution: Conduct purposeful, high-quality store visits focused on execution and reinforcing high performance, identify gaps and provide real-time coaching to improve application volume and conversion
- Performance Monitoring: Monitor account-level performance against territory quota, identify underperforming merchants and execute corrective action plans
- CRM Discipline: Log all store visits and merchant interactions, document observations, actions taken, and clearly defined next steps in HubSpot to maintain accurate territory records
- Collaboration and Field Alignment: Work closely with Senior Account Managers to set territory priorities and account focus, coordinate with cross-functional internal sales partners and support broader regional initiatives and execution strategies
WHO YOU ARE
- Strong relationship builder with a demonstrated ability to communicate effectively
- A problem-solver who takes initiative, adapts quickly, and thrives in a fast-paced, evolving business environment.
- Someone who builds relationships with ease and communicates effectively across teams and stakeholders.
- A natural problem-solver who takes initiative, adapts quickly, and thrives in a fast-paced, evolving environment.
- Highly organized, detail-oriented, and someone who always follows through on commitments.
WHAT YOU’LL BRING
- Ability to work in a field-based environment under structured leadership oversight
- 1-2 years of experience in retail, sales, or customer-facing roles
- Valid driver's license and reliable transportation
- Experience in retail, lease-to-own, or consumer financing environments is a huge plus, but not required
- Familiarity with CRM tools such as HubSpot or Map My Customers
- Prior field sales or account support experience
COMPENSATION AND BENEFITS:
- Base Salary: Earn a competitive base salary of $55,000 to $65,000, with OTE up to $85,000 annually.
- Healthcare: We prioritize your well-being by covering 80% of medical, dental, and vision insurance costs, including coverage for your spouse, children, and other dependents.
- Retirement Benefits: Begin planning for your future from day one with our 401 (k) plan.
- Paid Time Off: We understand the importance of work-life balance. That's why we offer flexible paid time off days starting from day one of your employment.
We're building a team as diverse as the customers we serve. Kafene is proud to be an equal-opportunity employer, and we mean it. We welcome qualified applicants of every race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, veteran status, and all other legally protected characteristics.
Need accommodation during the application process? We've got you. If you're applying for a U.S. position and require reasonable accommodation at any stage, reach out to careers@kafene.com with details about your request and contact information. We're here to help make the process work for you.
Note: This email address is specifically for accommodation requests and will only respond to those inquiries.
Listed by Kafene for a position based in the United States. Employers on this board attest they are hiring domestically.
Kafene is revolutionizing the lease-to-own space. We're the point-of-sale powerhouse making flexible lease-to-own accessible to everyone—prime and non-prime customers alike. Our secret weapon? Cutting-edge AI and machine learning that analyzes 20,000+ data inputs in real-time, empowering retailers across furniture, appliances, electronics, tires, and durable goods to say "yes" to more customers.
The numbers tell our story: over $500 million in originations and counting. But we're just getting started.
Our 150-person team spans NYC headquarters, Wilmington, and remote talent across the globe—all united by a culture that thrives on collaboration, innovation, and genuine support. We don't just talk about great workplace culture; we deliver it. That's why and .
Ready to be part of the fintech revolution? Join us.
About the Team
Kafene’s Risk team is a key driver of growth for the business. As a Risk Manager, you will report to the VP of Risk and help build Kafene’s profit-driven consumer underwriting strategies. You will harness complex data sources and machine learning, and you will partner across technology and senior leadership to develop strategies that optimize credit risk, fraud risk, and other factors across underwriting, portfolio management, and collections.
What You’ll Do
Leverage multiple and complex data sources such as Bureau information, alternative data, consumer behavior, the macro environment, and portfolio performance metrics to perform quantitative analyses, classification/decision-tree analyses and/or machine learning modeling to understand root causes and/or potential business opportunities
Translate data into meaningful insights, and design, implement and iterate on strategies to drive profitable business growth. Review findings with senior management, like CRO and CEO.
Design and manage A/B tests, pilot programs, and controlled experiments to evaluate new strategies, including defining test populations, randomization logic, and success criteria.
Build and maintain dashboards and reporting infrastructure to enable real-time monitoring of strategy performance across key metrics.
Monitor our acquisition and portfolio performance related to consumer or merchant credit risk, fraud risk, lease amount, term, channel, and other important metrics across the account lifecycle.
Monitor both internal and macroeconomic performance to define risk appetite and ensure healthy businesses under different environments.
Partner with technology, product, and cross-functional teams to ensure timely and quality implementation with diligent test validation. Track the performance to ensure that it meets expectations.
What You’ll Bring
Master’s degree in a quantitative discipline such as Statistics, Operations Research, Economics, Engineering, Data Science, or other STEM majors.
Minimum 2 years in the financial industry in an analytical function. Experience in credit risk strategy/collection areas is a plus
High Proficiency in business reporting and analytical tools such as Power BI and, Tableau is required
High-level proficiency in Python, SQL, SAS or other data mining and analytical tools. Familiarity with any decision tree analysis tool, like Enterprise Miner, is a plus
Experience of extracting business insights from data analysis and assembling them into clear business insights or recommendations in the financial service/consumer lending industry
Compensation and Benefits:
Base Salary: Earn a competitive base salary $95,000-$130,000
Healthcare: We prioritize your well-being by covering 80% of medical, dental, and vision insurance costs, including coverage for your spouse, children, and other dependents.
Retirement Benefits: Begin planning for your future from day one with our 401k plan.
Paid Time Off: We understand the importance of work-life balance. That's why we offer flexible paid time off days starting from day one of your employment.
We're building a team as diverse as the customers we serve. Kafene is proud to be an equal-opportunity employer, and we mean it. We welcome qualified applicants of every race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, veteran status, and all other legally protected characteristics.
Need accommodation during the application process? We've got you. If you're applying for a U.S. position and require reasonable accommodation at any stage, reach out to careers@kafene.com with details about your request and contact information. We're here to help make the process work for you.
Note: This email address is specifically for accommodation requests and will only respond to those inquiries.
Listed by Kafene for a position based in the United States. Employers on this board attest they are hiring domestically.
Get to Know Us
Kafene is revolutionizing the lease-to-own space. We're the point-of-sale powerhouse making flexible lease-to-own accessible to everyone—prime and non-prime customers alike. Our secret weapon? Cutting-edge AI and machine learning that analyzes 20,000+ data inputs in real-time, empowering retailers across furniture, appliances, electronics, tires, and durable goods to say "yes" to more customers.
The numbers tell our story: over $500 million in originations and counting. But we're just getting started.
Our 150-person team spans NYC headquarters, Wilmington, and remote talent across the globe—all united by a culture that thrives on collaboration, innovation, and genuine support. We don't just talk about great workplace culture; we deliver it. That's why Built In named us a Startup to Watch https://www.linkedin.com/company/built-in/?lipi=urn%3Ali%3Apage%3Ad_flagship3_detail_base%3B2jXPbPYzTW6P2Su6%2BfrBvw%3D%3D and Forbes recognized us as one of the Best Startup Employers https://www.forbes.com/sites/rachelpeachman/2023/03/07/meet-americas-best-startup-employers-2023/?sh=5a67d150410c.
Ready to be part of the fintech revolution? Join us.
We are hiring an experienced Senior Data Analyst to partner with our Revenue organization, with an initial focus on Business Development and Account Management analytics. This role sits at the intersection of data and go-to-market strategy, working closely with revenue teams.
We want someone who learns the business deeply, takes ownership of the analytics they build, and proactively identifies where things can be better. Curiosity and empathy are as important here as technical skill.
What You’ll Do
- Own performance reporting for our revenue teams by building and maintaining dashboards that surface funnel health, conversion trends, and rep-level performance.
- Translate business questions into clear analytical frameworks that inform decisions across the revenue org.
- Maintain and QA reporting logic, ensuring consistency and reliability across data sources.
- Serve as a source of truth for key definitions, metrics, and methodologies across the revenue org.
- Support CRM reporting and data integrity workflows.
- Document definitions, methodology, and logic so teams can self-serve with confidence.
- Learn existing analytics systems end-to-end and take progressive ownership over time, and identify opportunities to improve current models, reports, and processes.
- Partner with stakeholders across revenue teams to understand their needs before building.
What You’ll Bring
- 3-5 years of experience in a data or analytics role supporting revenue, sales, or go-to-market teams.
- Strong SQL and BI tools (Sigma, Tableau, Looker, or equivalent).
- Ability to navigate ambiguous data environments and exercise sound judgment on definitions and methodology.
- Clear communicator who can explain data findings to non-technical stakeholders.
- Curious about how the business works, not just how the data is structured.
- Builds with the end user in mind, ensuring outputs are actionable and directly useful.
- Passionate about owning work end-to-end, from problem framing to deployment to monitoring.
- Holds a high bar for data accuracy and validates findings before drawing conclusions
- Exposure to fintech, lending, or consumer finance business models.
- Familiarity with HubSpot or similar CRM platforms.
- Master's degree in Statistics, Economics, or a related field.
Compensation and Benefits:
- Salary: Earn a competitive salary of $35,000-$65,000
- 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.
We're building a team as diverse as the customers we serve. Kafene is proud to be an equal-opportunity employer, and we mean it. We welcome qualified applicants of every race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, veteran status, and all other legally protected characteristics.
Need accommodation during the application process? We've got you. If you're applying for a U.S. position and require reasonable accommodation at any stage, reach out to careers@kafene.com with details about your request and contact information. We're here to help make the process work for you.
Note: This email address is specifically for accommodation requests and will only respond to those inquiries.
Listed by Kafene for a position based in the United States. Employers on this board attest they are hiring domestically.
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