Sr. Portfolio Risk Analyst

Flex is building a finance super app for business owners — reimagining every single aspect of the financial workflow and financial services for any entrepreneur. The company has grown revenue 25x+ since publicly launching in September 2023 and is on track to achieve profitability by mid 2025. Flex is focused on mid-market businesses ($3 - $100M revenue) that are largely overlooked by existing fintech solutions and reliant on slow and outdated regional banks.  We are targeting a ~$1T revenue opportunity that is largely up for grabs.

Flex is a fully remote company and this role can be performed from anywhere.

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.

Key Responsibilities

1. 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.

2. 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.

3. 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.

• 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.

• Knowledge of unsecured credit economics including funding costs, loss curves, and revenue levers.
• Familiarity with fraud prevention tools and risk decisioning platforms (e.g., Alloy, Sentilink, Sardine).
• Proficiency with data extraction and manipulation tools such as Looker, Tableau, or Power BI.
• Experience using data platforms like Snowflake, Redshift, BigQuery, or similar cloud-based environments.

• Opportunity to shape the analytics foundation of a rapidly growing credit product.
• Work closely with cross-functional teams in product, engineering, risk, and operations.
• Tackle complex and impactful financial inclusion and risk challenges.
• Be part of a data-first culture that values curiosity, collaboration, and clear thinking.

Interested?  We'd love to hear from you

At Flex, we value passion, determination, and honesty. Even if you don't fully match the job specifics, we encourage you to apply. Unusual career paths and unique skills can help you stand out. We believe diversity drives our success.