Koalafi

• Own and drive the roadmap for the Shared Tech platform • Lead prioritization and facilitate thoughtful tradeoffs with engineering and product stakeholders, balancing developer velocity, reliability, and long-term platform health • Align engineering leads and product teams on what platform investments matter most and why • Lead ongoing discovery with internal engineering teams to surface needs, blockers, and gaps, then translate them into cohesive, reusable platform capabilities • 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 • Define success metrics and measurement plans • Event Bus - own the strategy and roadmap for Koalafi's internal event infrastructure; ensure it is reliable, well-documented, and easy for product teams to adopt and extend • Communications Gateway - own the platform that routes and delivers consumer and merchant communications across channels; ensure it is scalable, auditable, and supports the needs of product teams without requiring bespoke solutions • Modernization Priorities - partner with engineering to identify, scope, and sequence the highest-impact investments in platform modernization; create the clarity needed for teams to migrate off legacy systems safely and incrementally • Drive operational excellence by treating performance, reliability, observability, and auditability as foundational requirements • Partner closely with the Shared Tech Lead to set direction, make tradeoffs, and deliver high-quality platform improvements • Conduct ongoing discovery with internal engineering and product teams to understand pain points, integration needs, and unmet gaps • Collaborate with teams across Consumer, Merchant, Credit, and Operations to understand how shared platform capabilities support their roadmaps and where they fall short • Partner with Security and Compliance to ensure platform services meet the company's regulatory and security requirements • Build internal communication practices around platform changes, adoption guides, migration timelines, and deprecation notices, so teams can plan around platform evolution

• Build scalable solutions across Salesforce (Apex, LWC, Flows) with strong architectural discipline • Design clean, maintainable systems using reusable patterns and frameworks • Own integrations with external systems via APIs and event-driven architectures • Drive code quality through testing, CI/CD, and modern development practices • Build reliable, scalable integrations that ensure clean data flow across systems • Improve system performance, reliability, and operational scalability • Partner cross-functionally to translate business needs into technical solutions • Own projects end-to-end: discovery - design - build - deploy - iterate • Act as a technical escalation point for complex platform and integration issues • Deliver production grade solutions with strong documentation and long-term maintainability • Design and deploy AI-powered workflows that automate complex internal processes end-to-end • Identify high-impact automation opportunities across teams and systems • Build agentic systems that coordinate actions across tools, data, and workflows • Leverage LLMs and emerging AI tooling to reduce manual work and increase efficiency • Develop integrations and automation layers that enable intelligent, autonomous task execution • Own AI initiatives from concept through production, with strong engineering rigor • Partner with Product, Data, and Engineering to scale AI capabilities across the organization • Help define how AI is embedded into core business systems and operations.

• Manage a team of engineers with full accountability for their performance, growth, and wellbeing • Own 1:1s, performance reviews, and career development conversations — providing direct, constructive feedback that helps engineers grow • Build a team culture that is organized, reliable, and focused on impact • Mentor engineers through code reviews, pairing, and delivery coaching • Be a strong technical contributor: carry significant engineering weight alongside the team and actively deliver on high-impact work • Translate architectural direction into sprint-level tasks the team can act on • Build and evolve CI/CD pipelines and delivery automation: ensuring deployment safety, consistency, and velocity • Improve observability and operational readiness across metrics, logging, distributed tracing, and alerting — including actionable dashboards and SLO-based alerting • Design and implement automation and self-service workflows using infrastructure-as-code, APIs, and developer platforms to reduce developer friction • Own incident response coordination: drive the process, communicate status, and ensure issues reach the right people • Participate in the on-call rotation and help drive improvements that reduce incidents and alert noise over time • Build and maintain operational runbooks, escalation paths, and documentation for team-owned systems • Drive production readiness as a continuous standard, not a one-time checklist

• Lead the design efforts of our merchant portal, shaping how retailers manage applications, view customer activity, access reports, and discover marketing opportunities • Collaborate closely with product managers, developers, and leadership to research, ideate, design, test, and deliver solutions aligned with user needs and business goals • Track the success of shipped designs through product data and user feedback, iterating to improve experiences • Contribute to and evolve the Koalafi Design System in Figma, ensuring consistency and quality across every surface of the portal • Work with tools like Slack, Confluence, and Jira to stay in sync with cross-functional teams

• Implement microservices and event-driven workflows to integrate Koalafi's systems with a third-party loan servicing platform • Build and maintain REST APIs that support loan origination, payment processing, and customer servicing operations • Navigate and contribute to existing internal services where the NPIL product intersects with current Koalafi systems — reading unfamiliar code, understanding its intent, and making clean, well-scoped changes • Develop frontend components in React/TypeScript to support customer-facing and internal tooling as needed • Write code that is testable, observable, and built to last — not just built to ship • Work closely with the Tech Lead on system design and integration architecture • Partner with Product and Compliance to understand requirements and translate them into reliable, compliant implementations • Participate in code reviews — both giving and receiving feedback with the goal of raising the bar, not just checking a box • Engage actively in sprint ceremonies: planning, retros, standups — contribute to the team's rhythm, not just your own ticket • Implement monitoring and alerting at integration points so issues surface before customers notice them • Support audit logging and data reconciliation requirements inherent to a regulated financial product • Identify and flag technical risk early — bad news early is always better than bad news late • Leverage AI development tools to move faster and stay consistent with team patterns

• Define and drive the Originations roadmap • Lead product vision, strategy, roadmap, and execution for the Originations product as an engine for growth • Develop the product strategy for apply & checkout flows that are reusable across diverse merchant and consumer contexts • Grow and optimize the Originations funnel • Drive continuous funnel optimization by identifying conversion opportunities using quantitative data and qualitative insights • Partner with analytics and engineering to instrument the funnel, generate actionable insights, and run A/B tests

• Work with Design and Product to improve and maintain the application experience for both our customers and merchant partners • Review and understand high level feature requirements to propose implementation options and define user stories • Collaborate cross-domain to further understand potential impacts and limitations of proposed requirements • Actively engage in agile processes including sprint planning, retrospectives, and daily stand-ups • Oversee delivery of features step by step: develop implementation plans, coordinate tasks with teammates, communicate with stakeholders, devise testing strategy, and deliver to production • Help to evaluate priority, troubleshoot, and resolve bugs across the stack • Research and implement emerging technologies to improve system performance and customer experience • Drive front-end strategy within the team, with a focusing on maintainability and extendibility • Champion new ideas to shape strategy for the Tech organization as a whole • Act as a technical mentor, guiding engineers on best practices and modern standards pertaining to UI development • Participate in code reviews to ensure high-quality standards as well as share knowledge across the team • Improve application observability to better understand customer behavior and identify areas for improvement • Minimize application bundle size and load times to minimize friction • Utilize AI tooling in day to day tasks to streamline implementation cycles

• Lead our Product organization, including both Product Management and Product Design functions • Responsible for company-wide product strategy and roadmap • Elevate product thinking across the company • Strengthen discovery and execution capabilities • Ensure roadmap drives measurable customer and business outcomes • Balance customer empathy, analytical rigor, and strategic judgment in a fintech environment • Lead product strategy within a fintech environment, balancing customer growth and compliance • Partner closely with Risk, Data Science, and Compliance • Ensure product decisions consider unit economics, risk performance, and long-term value creation • Establish a culture of analytical rigor and continuous optimization • Champion structured experimentation practices • Drive disciplined execution while protecting space for discovery and innovation • Manage a team of Product and Design leaders

• Work Across Operations to Stand Up Core Loan Operations: Design and implement operational workflows for functions such as customer service, delinquency management, and account maintenance. • Lead the documentation of SOPs across all operational functions. • Collaborate with functional leaders to establish service and monitor performance standards, SLAs, and QA frameworks. • Collaborate with the Head of Collections & Recoveries to build & launch a delinquency management strategy. • Oversee Back-Office & Compliance Operations including monitoring complaint handling and regulatory response processes. • Build, document, and oversee exception account handling (e.g., deceased, bankruptcy, credit bureau disputes). • Prepare operational reporting to support audits, compliance reviews, and executive oversight.

• Develop, implement and optimize a comprehensive collections and recoveries strategy aligned with the company’s overall business objectives. • Oversee daily operations, ensuring business intent is supported by operational excellence - delivered by vendor or shared internal resources. Establish and monitor key performance indicators (KPIs) to measure the effectiveness of collections efforts. Establish and manage relationships with third-parties for the delivery of the strategy. • Identify and mitigate potential risks associated with collections activities, including strict adherence to all federal, state, and local regulations governing collections and recoveries. • Own the Collections and Recoveries budget and maximize return on operational expenses. • Leverage technology to improve efficiency and effectiveness, including the implementation of new collection systems and tools. • Balance aggressive collections with a customer-centric approach, minimizing negative impacts on customer relationships.