Risk Analyst

🕒 September 23

🏄 California, Florida, +1 more states – Remote

🏄 California – Remote 🐊 Florida – Remote 🗽 New York – Remote

💵 $120k - $145k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🎲 Risk

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 21%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Flex

WebsiteLinkedInAll Job Openings

11 - 50 employees

💳 Fintech

🤝 B2B

💰 $100M Debt Financing on 2023-09

Fintech • B2B

Flex is an end-to-end finance platform designed for businesses, facilitating various financial operations and enhancing financial management. With a focus on providing comprehensive financial solutions, Flex aims to streamline processes and improve efficiency for its users in the commercial sector.

📋 Description

• 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)