Risk Analyst
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Job Description
Risk Analyst analyzing credit, underwriting, portfolio behavior, and profitability for Flex’s AI-native private bank serving business owners. Building risk models and dashboards to improve lending decisions.
Responsibilities:
- Analyze new applicant data to support automated and manual credit decisioning
- Work with data from business financial statements, tax documents, and banking integrations such as QuickBooks, NetSuite, and Plaid
- Use adjacent product usage data to evaluate risk profiles
- Build dashboards or tools for real-time underwriting and fraud-detection indicators
- Monitor post-origination account behavior, including spending, payment patterns, credit utilization, and engagement
- Identify weakening creditworthiness using internal data and third-party credit reports
- Analyze delinquency trends and payment consistency to refine risk models and collections strategies
- Develop behavioral segments and performance cohorts for proactive account management
- Support P&L analysis for the unsecured credit card product
- Build models for customer lifetime value, profitability segmentation, and risk-adjusted returns
- Identify loss drivers and opportunities for margin improvement
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
Benefits:
- Meaningful equity
- Benefits (not further specified)
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