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Risk Analyst

Flex· Risk / Underwriting
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Hybrid (Remote)$120k - $145kFull-timePosted 4w ago

About the role

Analytics professional with domain expertise in credit analytics, supporting both credit underwriting and portfolio management to improve credit decisions, monitor behavior, and inform risk management and product strategy.

Responsibilities

  • New Account Evaluation: Analyze new applicant data to support automated and manual credit decisioning; Work with data from business financial statements, tax documents, and banking integrations (e.g., Quickbooks, Netsuite, Plaid); Leverage product usage insights to evaluate risk profiles; Build dashboards/tools to surface real-time indicators for underwriting and fraud detection.
  • Existing Account Management: Monitor account-level behavior post-origination (spend and payment patterns, credit utilization, engagement); Identify signs of weakening creditworthiness using internal data and third-party credit reports (e.g., Experian, D&B); Track delinquency trends and payment consistency to refine risk models and collections strategies; Develop behavioral segments and performance cohorts for proactive account management.
  • Credit Product P&L Understanding: Support P&L analysis of the unsecured credit card product (interchange income, interest revenue, rewards cost, charge-off rates); Build models to evaluate customer lifetime value, profitability segmentation, and risk-adjusted returns; Assist in identifying drivers of loss and opportunities for margin improvement.

Qualifications

  • 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.

Skills

Required:SQLCredit underwriting
Nice to have:SASPython or R

Benefits

  • Flex offers medical, dental and vision insurance, paid time off, and a 401(k) plan.
Last updated Oct 21, 2026. Interested? Apply on the company site.

About Flex

All-in-One Business & Personal Finance Platform

Flex is the all-in-one business & personal finance platform for owners. Access premium business banking, flexible net-60 credit, and AP automation. All for free.

Business BankingBusiness CreditNet-60 Credit TermsRewards & CashbackEmployee Expense ManagementAP AutomationGlobal PaymentsCredit Card
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