Portfolio Risk Analytics Lead
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Job Description
Portfolio Risk Analytics Lead managing and analyzing credit risk for Flex's services. Own end-to-end portfolio risk analytics while collaborating across teams to ensure effective credit policies.
Responsibilities:
- Own end-to-end portfolio risk analytics for Flex's credit card book
- Analyze approval thresholds, bureau cutoff performance, and risk-tiered line sizing
- Incorporate existing Flex relationship data into credit decisioning and line management frameworks
- Monitor authorization patterns and spend velocity for credit quality
- Track minimum payment rates and utilization trends
- Maintain vintage curves and delinquency migration analysis
- Analyze loss emergence patterns by segment and cohort
- Build and maintain early warning frameworks for credit deterioration
- Synthesize data from multiple sources for portfolio health
- Lead periodic portfolio reviews and present findings to senior leadership
- Develop credit risk segmentation for precise limit management
- Partner cross-functionally with various teams to ensure risk visibility
- Contribute to stress testing and scenario analysis
Requirements:
- 5–15 years of hands-on credit card risk analytics experience across consumer and small business
- Subject matter expertise in credit card metrics — vintage curves, roll rates, loss forecasting, utilization dynamics, payment hierarchy
- Proficient in SQL and Python or R, comfortable working with large datasets
- Understands the analytical demands of SMB credit: cash flow seasonality and owner-business financial entanglement
- Operates at a senior thinking level relative to peer cohort
- High quantitative aptitude with strong intuition.
- High-energy, end-to-end owner who thrives in dynamic environments
Benefits:
- Equity in the company in addition to the Base Compensation.
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