Remote opportunity at
FlexRisk Analyst
Flex is seeking a Risk Analyst to join its team on a full-time, remote basis. The company operates as an AI-native private bank designed for business…
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About This Role
Flex is seeking a Risk Analyst to join its team on a full-time, remote basis. The company operates as an AI-native private bank designed for business owners, restructuring financial operations from banking and credit to payments for entrepreneurs generating between $3 million and $200 million in revenue. Since its public launch in September 2023, the organization has experienced rapid growth toward profitability and handles large-scale financial movements. This position suits…
Job Description
Flex is seeking a Risk Analyst to join its team on a full-time, remote basis. The company operates as an AI-native private bank designed for business owners, restructuring financial operations from banking and credit to payments for entrepreneurs generating between $3 million and $200 million in revenue. Since its public launch in September 2023, the organization has experienced rapid growth toward profitability and handles large-scale financial movements.
This position suits an intellectually curious analytics professional who possesses domain expertise in credit analytics and the ability to interpret financial data. The Risk Analyst will significantly impact credit decisions, monitor customer behaviors, and shape risk management and product strategies. Responsibilities span reviewing new account applications, managing existing accounts through behavioral tracking and performance cohort analysis, and evaluating the profit and loss performance of unsecured credit card products. Candidates must bring extensive background experience in data or credit analytics within specific financial sectors.
Responsibilities
- Evaluate data from new applicants to assist with automated and manual credit decisions
- Review information derived from business financial statements, tax records, and banking integrations such as Plaid, Quickbooks, and Netsuite
- Utilize adjacent product usage data like business banking and payments platforms to assess risk profiles
- Construct dashboards and tools to display real-time indicators for fraud detection and underwriting
- Track post-origination account behavior including spending habits, credit utilization, and engagement levels
- Detect signs of weakening creditworthiness using internal tracking and third-party commercial credit reports from providers like Experian and D&B
- Analyze delinquency trends and payment consistency to improve collections strategies and risk models
- Create behavioral segments and performance cohorts for proactive management of accounts
- Support profit and loss evaluations for unsecured credit card offerings, encompassing interchange income, interest revenue, rewards costs, and charge-off rates
- Build models assessing customer lifetime value, profitability segmentation, and risk-adjusted returns
- Identify loss drivers and find opportunities to enhance profit margins
Requirements
- Minimum of 5 years of professional experience in a credit analytics or data analytics role
- Fluency in SQL or SAS
- Comfort utilizing Python or R for exploratory data analysis and automation
- Solid understanding of SMB financial analysis and credit underwriting principles
- Experience interpreting balance sheets, income statements, tax returns, and banking cash flow data
- Familiarity with commercial credit reports and credit bureau data
- Ability to clearly communicate findings and influence stakeholders across functions
Core Skills
Benefits
- Equity compensation
- Medical, dental, and vision insurance
- Paid time off
- 401(k) plan
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
What is the salary range for the Risk Analyst role?
The salary for this position ranges from USD 120,000 to 145,000 per year, with final compensation depending on experience, qualifications, and interview performance.
Is this a remote position?
Yes, this role is fully remote, with additional role availability in San Francisco, Miami, and New York.
What experience is required to apply?
Applicants must have at least 5 years of experience in data or credit analytics, preferably within SMB lending, credit cards, or fintech.
How can candidates apply for this position?
Applications are accepted on an ongoing basis until the position is filled.
Sample Interview Questions
AI-generated questions tailored to this specific role — a preview of the full practice set.