Flex

Portfolio Risk Analytics Lead

Remote / USA

Sponsorship not specified$150k-$250kDetected 73 days ago

PythonSQLForecastingLoad TestingLeadershipUnderwriting

About the role

Flex is building the AI-native private bank for business owners.
We're re-architecting the entire financial system for entrepreneurs—from the first dollar a business earns to how that value compounds, moves, and is ultimately spent in real life. Banking, credit, payments, personal finance, and financial operations—rebuilt from the ground up as a single, intelligent system. Flex is the full financial home for ambitious

maintain vintage curves, roll rate matrices, and delinquency migration analysis; own loss forecasting and reserve calibration inputs
Develop credit risk segmentation - by industry, vintage, utilization band, payment behavior, and obligor type - to enable more precise limit management, pricing, and loss reserve calibration
Partner cross-functionally with Underwriting, Engineering, Product, Finance, and L&C to ensure portfolio risk visibility is embedded in upstream decisions, not surfaced reactively
Own end-to-end portfolio risk analytics for Flex's credit card book across small business and consumer segments - end-to-end meaning full lifecycle visibility, from pre-acquisition through charge-off:
Build and maintain early warning frameworks that surface emerging credit deterioration before it appears in lagging indicators - translating behavioral and transactional signals into actionable portfolio triggers

This role sits in the foundational build path of core risk management disciplines, and we expect significant upward potential for the right candidate. The emphasis is on finding colleagues with a strong foundation more than a 'minimum number of years' constraint. We can work with folks who have 7-15 years of hands-on credit card risk analytics experience across consumer and small business; direct exposure to both a bank or bank-issued program and a fintech lender strongly preferred

Serve as the internal SME on credit card analytics - establishing standards for how the portfolio is measured, reported, and interpreted as the book scales
The emphasis is on finding colleagues with a strong foundation more than a 'minimum number of years' constraint.
We can work with folks who have 7-15 years of hands-on credit card risk analytics experience across consumer and small business
direct exposure to both a bank or bank-issued program and a fintech lender strongly preferred
Subject matter expertise in credit card metrics - vintage curves, roll rates, loss forecasting, utilization dynamics, payment hierarchy - built through direct ownership of these analyses, not observation

Banking, credit, payments, personal finance, and financial operations-rebuilt from the ground up as a single, intelligent system.
Flex is the full financial home for ambitious owners.
They're stuck with outdated banks and fragmented tools.

This listing is sourced directly from Flex's careers page and normalized into a canonical job model.