Risk Analyst

Responsibilities

New Account Evaluation

• Analyze new applicant data to support automated and manual credit decisioning.
• Work with data extracted from business financial statements, tax documents, and banking integrations (e.g., Quickbooks, Netsuite, Plaid, etc).
• Leverage insights from adjacent product usage (e.g., business banking, payments platforms) to evaluate risk profiles.
• Build dashboards or tools to surface real-time indicators for underwriting and fraud detection.

Existing Account Management

• Monitor account-level behavior post-origination, including spend and payment patterns, credit utilization, and engagement.
• Identify signs of weakening creditworthiness using internal data and third-party credit reports (e.g., Experian, D&B).
• Track and analyze delinquency trends and payment consistency to refine risk models and collections strategies.
• Develop behavioral segments and performance cohorts for proactive account management.

Credit Product P&L Understanding

• Support P&L analysis of the unsecured credit card product, including interchange income, interest revenue, rewards cost, and charge-off rates.
• Build models to evaluate customer lifetime value, profitability segmentation, and risk-adjusted returns.
• Assist in identifying drivers of loss and opportunities for margin improvement.

About the Role

We are seeking an energetic and intellectually curious Analytics professional with domain expertise in credit analytics and a strong grasp of financial data interpretation. The ideal candidate will be comfortable working with varied datasets to derive insights for both credit underwriting and ongoing portfolio management. This role will play a critical part in improving credit decisions, monitoring customer behavior, and informing risk management and product strategy.

Requirements

5+ years of experience in a data analytics or credit analytics role, preferably within fintech, credit cards, or SMB lending.

Fluency in SQL / SAS and comfort with Python or R for exploratory data analysis and automation.

Strong understanding of credit underwriting principles and SMB financial analysis.

Experience interpreting business financials (P&L, balance sheet, tax returns) and cash flow data from banking sources.

Familiarity with credit bureau data and commercial credit reports.

Ability to communicate findings clearly and influence cross-functional stakeholders.

Final compensation within this range will be based on experience, qualifications, and interview performance. This position is also eligible for equity compensation. Flex offers medical, dental and vision insurance, paid time off, and a 401(k) plan. Applications will be accepted on an ongoing basis until the position is filled.

Why Join Us

• Build something generational — Capture the full lifecycle of money for ambitious business owners.
• Work on real money, real risk — Payments, credit, and banking at serious scale.
• Solve hard problems — AI, underwriting, compliance, and global finance from first principles.
• True ownership — Small teams, high trust, real accountability.
• Founder-level exposure — Direct access to leadership, customers, and investors.
• High bar, high taste — Move fast without cutting corners.
• Elite peers — People here are builders, not tourists.
• Real upside — Meaningful equity if you help build something big.