Koalafi E-3 Visa Sponsorship Jobs USA
West Creek Financial Inc sponsors E-3 visas for Australian professionals in banking and financial services roles. The company has filed E-3 petitions and is a viable target for qualified candidates in finance, analysis, and related specialty occupations. Research its open roles carefully to match your credentials to its hiring needs.
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Get Access To All JobsINTRODUCTION
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?
ROLE AND RESPONSIBILITIES
Koalafi is expanding beyond lease-to-own by launching a non-prime installment loan product that will diversify our portfolio and accelerate growth in select states and verticals. The Manager of Business Analysis will report directly to the Chief Risk Officer and play a central role in designing and operationalizing the company’s risk management framework for this new product. The role will lead development of core risk policies (credit, fraud, KYC/AML, collections, etc.), build a robust monitoring and reporting suite, and execute ad hoc analyses that support product development, pilot rollout, and scaling. This person will be a key cross-functional partner to Product, Engineering, Compliance/Legal, Operations, and Finance.
Risk Policy Development & Governance
- Lead drafting and iteration of risk management policies and standards supporting the non-prime installment product, including:
+ Credit policy (eligibility, underwriting strategy, line assignment, and pricing inputs)
+ Fraud policy (identity theft, synthetic fraud, first-party fraud, and merchant abuse)
+ KYC / identity verification standards (CIP/KYC requirements, documentary verification requirements, third-party data use, and step-up verification)
+ Servicing and collections risk policy (hardship, restructures, settlements, and outbound communications)
+ Translate policy intent into operational procedures and control requirements
+ Establish a lightweight governance cadence for policy review/changes and maintain a living policy repository with change logs
Monitoring Suite & Risk Reporting
- Design and implement a monitoring framework for the new product that includes:
* Risk appetite metrics and early-warning indicators (origination mix, approval rates, early DQ, roll rates, fraud rate, payment failure rates, complaint rate, etc.)
* Cohort/vintage tracking and performance segmentation (state, vertical, channel, merchant, score band, income/DTI bands, etc.)
* Operational controls monitoring (KYC pass rates, step-up rates, manual review queues, etc.)
* Build a recurring executive reporting pack for the leadership team and create self-serve dashboards for day-to-day decision making.
* Partner with Analytics and Data Engineering to ensure data definitions are consistent, auditable, and scalable (metric dictionary, QA checks, reconciliation vs. source systems).
Product Launch Support & Ad Hoc Analysis
- Support product design decisions by quantifying trade-offs among risk, approval rate, unit economics, and customer experience (e.g., pricing sensitivity, repayment term structures, down payment requirements, etc.).
- Conduct targeted analyses to inform rollout strategy by state and vertical, including regulatory-driven constraints and operational readiness.
- Partner with Product and Engineering on test design and evaluation (A/B tests, pilots, phased rollouts), including measurement plans and success criteria.
Cross-Functional Influence & Execution
- Serve as a primary risk analytics partner to Product/Engineering during build, ensuring risk requirements are embedded in workflows (application, underwriting, funding, servicing, and collections).
- Collaborate closely with Compliance/Legal to translate regulatory requirements into operational policy and monitoring.
- Coordinate with Operations to ensure procedures, training, and escalation pathways align with policy intent.
- Drive clarity in decision-making: define owners, timelines, and expected deliverables; keep stakeholders aligned through launch milestones.
What Success Looks Like (First 6–12 Months)
- Core risk policies for the installment product are drafted, approved, and operationalized with clear change-control and exception processes.
- A “first-class” monitoring suite is live with daily/weekly dashboards and a monthly executive risk review cadence.
- Leadership has clear visibility into product performance by state/vertical, with early-warning signals and action plans.
- Policy and monitoring enable a controlled rollout that meets regulatory needs while achieving target approval and loss-rate ranges.
BASIC QUALIFICATIONS
- Bachelor’s degree, in a quantitative field such as Statistics, Mathematics, Economics, Business, or Engineering preferred
- 5+ years of experience in an analyst, data science, or consulting role
- 3+ years of experience in credit risk analytics
- Experience in consumer financing industry, such as credit cards, personal loans, auto loans, BNPL, or similar field
- Proficiency in Excel, SQL, and Python for data analysis
- Exceptional attention to detail and problem-solving skills
- Ability to create a strategic agenda and execute against it
- Desire to work in a fast-paced, dynamic entrepreneurial environment
- Strong written and verbal communication skills
LOCATION
This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time.
WHY CHOOSE KOALAFI:
A career at Koalafi means opportunities to tackle exciting challenges every single day. We take pride in a culture of innovation, trust, and ownership. You'll get outside your comfort zone, build meaningful relationships, and most of all, take charge of projects that ultimately help people get the things they need most.
BENEFITS
At Koalafi, you will have a direct impact on our products and help shape the company’s success. We offer competitive compensation & benefits packages to keep you at your best:
- Comprehensive medical, dental, and vision coverage
- 20 PTO days + 11 paid holidays
- 401(k) retirement with company matching
- Student Loan & Tuition Reimbursement
- Commuter assistance
- Parental leave (maternal + paternal)
- Inclusion and Associate Engagement Programs
WHO WE ARE & WHAT WE VALUE
- We focus on what’s most important
- We set clear expectations and deliver
- We embrace challenges to reach our full potential
- We ask, “How can this be better?”
- We move fast together
INTRODUCTION
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?
ROLE AND RESPONSIBILITIES
Koalafi is expanding beyond lease-to-own by launching a non-prime installment loan product that will diversify our portfolio and accelerate growth in select states and verticals. The Manager of Business Analysis will report directly to the Chief Risk Officer and play a central role in designing and operationalizing the company’s risk management framework for this new product. The role will lead development of core risk policies (credit, fraud, KYC/AML, collections, etc.), build a robust monitoring and reporting suite, and execute ad hoc analyses that support product development, pilot rollout, and scaling. This person will be a key cross-functional partner to Product, Engineering, Compliance/Legal, Operations, and Finance.
Risk Policy Development & Governance
- Lead drafting and iteration of risk management policies and standards supporting the non-prime installment product, including:
+ Credit policy (eligibility, underwriting strategy, line assignment, and pricing inputs)
+ Fraud policy (identity theft, synthetic fraud, first-party fraud, and merchant abuse)
+ KYC / identity verification standards (CIP/KYC requirements, documentary verification requirements, third-party data use, and step-up verification)
+ Servicing and collections risk policy (hardship, restructures, settlements, and outbound communications)
+ Translate policy intent into operational procedures and control requirements
+ Establish a lightweight governance cadence for policy review/changes and maintain a living policy repository with change logs
Monitoring Suite & Risk Reporting
- Design and implement a monitoring framework for the new product that includes:
* Risk appetite metrics and early-warning indicators (origination mix, approval rates, early DQ, roll rates, fraud rate, payment failure rates, complaint rate, etc.)
* Cohort/vintage tracking and performance segmentation (state, vertical, channel, merchant, score band, income/DTI bands, etc.)
* Operational controls monitoring (KYC pass rates, step-up rates, manual review queues, etc.)
* Build a recurring executive reporting pack for the leadership team and create self-serve dashboards for day-to-day decision making.
* Partner with Analytics and Data Engineering to ensure data definitions are consistent, auditable, and scalable (metric dictionary, QA checks, reconciliation vs. source systems).
Product Launch Support & Ad Hoc Analysis
- Support product design decisions by quantifying trade-offs among risk, approval rate, unit economics, and customer experience (e.g., pricing sensitivity, repayment term structures, down payment requirements, etc.).
- Conduct targeted analyses to inform rollout strategy by state and vertical, including regulatory-driven constraints and operational readiness.
- Partner with Product and Engineering on test design and evaluation (A/B tests, pilots, phased rollouts), including measurement plans and success criteria.
Cross-Functional Influence & Execution
- Serve as a primary risk analytics partner to Product/Engineering during build, ensuring risk requirements are embedded in workflows (application, underwriting, funding, servicing, and collections).
- Collaborate closely with Compliance/Legal to translate regulatory requirements into operational policy and monitoring.
- Coordinate with Operations to ensure procedures, training, and escalation pathways align with policy intent.
- Drive clarity in decision-making: define owners, timelines, and expected deliverables; keep stakeholders aligned through launch milestones.
What Success Looks Like (First 6–12 Months)
- Core risk policies for the installment product are drafted, approved, and operationalized with clear change-control and exception processes.
- A “first-class” monitoring suite is live with daily/weekly dashboards and a monthly executive risk review cadence.
- Leadership has clear visibility into product performance by state/vertical, with early-warning signals and action plans.
- Policy and monitoring enable a controlled rollout that meets regulatory needs while achieving target approval and loss-rate ranges.
BASIC QUALIFICATIONS
- Bachelor’s degree, in a quantitative field such as Statistics, Mathematics, Economics, Business, or Engineering preferred
- 5+ years of experience in an analyst, data science, or consulting role
- 3+ years of experience in credit risk analytics
- Experience in consumer financing industry, such as credit cards, personal loans, auto loans, BNPL, or similar field
- Proficiency in Excel, SQL, and Python for data analysis
- Exceptional attention to detail and problem-solving skills
- Ability to create a strategic agenda and execute against it
- Desire to work in a fast-paced, dynamic entrepreneurial environment
- Strong written and verbal communication skills
LOCATION
This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time.
WHY CHOOSE KOALAFI:
A career at Koalafi means opportunities to tackle exciting challenges every single day. We take pride in a culture of innovation, trust, and ownership. You'll get outside your comfort zone, build meaningful relationships, and most of all, take charge of projects that ultimately help people get the things they need most.
BENEFITS
At Koalafi, you will have a direct impact on our products and help shape the company’s success. We offer competitive compensation & benefits packages to keep you at your best:
- Comprehensive medical, dental, and vision coverage
- 20 PTO days + 11 paid holidays
- 401(k) retirement with company matching
- Student Loan & Tuition Reimbursement
- Commuter assistance
- Parental leave (maternal + paternal)
- Inclusion and Associate Engagement Programs
WHO WE ARE & WHAT WE VALUE
- We focus on what’s most important
- We set clear expectations and deliver
- We embrace challenges to reach our full potential
- We ask, “How can this be better?”
- We move fast together
Job Roles at Koalafi
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Get Access To All JobsTips for Finding Koalafi E-3 Visa Sponsorship Jobs USA
Map your degree to finance roles
West Creek Financial's E-3 roles require a direct match between your Australian degree and the specialty occupation. Use O*NET to confirm that your exact field of study aligns with the job title before applying, since a mismatch is the most common cause of E-3 denial in financial services.
Request an LCA before your interview
Ask West Creek Financial's HR team early in the process whether they've initiated the Labor Condition Application with DOL. An LCA must be certified before your consulate appointment, and delays on the employer side can push your start date back by weeks if not flagged early.
Benchmark your salary against OFLC Wage Search
Before negotiating your offer, look up the prevailing wage for your specific role and work location using the OFLC Wage Search. West Creek Financial must pay at least the DOL-certified prevailing wage on your LCA, so knowing that floor protects you from an offer that could disqualify the petition.
Prepare your credentials for consular review
Australian three-year bachelor's degrees are generally accepted as equivalent to U.S. four-year degrees for E-3 purposes, but you'll need certified transcripts and, in some finance roles, professional membership records. Gather these before West Creek Financial submits the LCA to avoid delays at your consulate appointment.
Use Migrate Mate to verify West Creek Financial's filing history
Before accepting an offer, confirm that West Creek Financial has a track record of E-3 sponsorship in roles matching yours. Migrate Mate surfaces DOL Labor Condition Application data by employer and occupation, so you can see which positions the company has sponsored and whether your role fits the pattern.
Confirm employment start date aligns with visa validity
E-3 visas are issued for up to two years, but your consulate may issue a shorter period tied to the LCA end date. Coordinate with West Creek Financial's HR contact to ensure the LCA period covers your full intended employment term, especially if you're transitioning from another visa status.
Koalafi E-3 Visa Sponsorship: Frequently Asked Questions
Does West Creek Financial Inc sponsor E-3 visas?
Yes, West Creek Financial Inc has sponsored E-3 visas for Australian professionals in banking and financial services roles. The company operates in a sector that regularly requires specialty occupation workers, making it a viable target for qualified Australian candidates. Confirm active openings and the company's current sponsorship posture directly with their HR team before applying.
Which roles at West Creek Financial Inc typically qualify for E-3 sponsorship?
E-3 sponsorship at West Creek Financial Inc is most likely for roles that meet the specialty occupation standard, meaning positions requiring at least a bachelor's degree in a directly related field. Financial analyst, credit analyst, compliance officer, and similar professional finance roles are the most common candidates. General or operational roles without a specific degree requirement are unlikely to qualify.
How do I start the E-3 application process at West Creek Financial Inc?
Once you have a written job offer, West Creek Financial Inc must file a Labor Condition Application with DOL and receive certification before you can apply at the consulate. You then complete the DS-160, pay the MRV fee, and attend your visa interview in Australia. Migrate Mate can handle the filing steps and help you coordinate the timeline with your employer.
How long does the E-3 sponsorship process take at West Creek Financial Inc?
The DOL typically certifies the Labor Condition Application within seven business days of submission. Consulate appointment wait times in Australia vary by location and season, but most applicants at Sydney, Melbourne, or Perth complete the process within two to six weeks after the LCA is certified. Build this timeline into your offer negotiation with West Creek Financial Inc.
How do I make my application stand out to West Creek Financial Inc's recruiters?
Demonstrate that your Australian qualifications map directly to the role's requirements by referencing your degree field, any relevant professional certifications, and prior experience in U.S. or international financial services. Proactively confirming your E-3 eligibility to the hiring team, rather than leaving it to HR to research, signals that you understand the process and reduces perceived friction around sponsorship.
What is the prevailing wage for E-3 sponsorship at West Creek Financial Inc?
E-3 employers must pay at least the prevailing wage, determined when they file a Labor Condition Application with the Department of Labor. The rate is based on the role, location, and experience level, ensuring Australian hires are paid comparably to U.S. workers in the same position. You can look up prevailing wage rates for any occupation and location using the DOL's OFLC Wage Search tool.