Portfolio Risk Analytics Lead

🕒 May 9

🇺🇸 United States – Remote

💵 $150k - $250k / year

⏰ Full Time

🟠 Senior

📊 Data Scientist

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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

• 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.