Risk Analyst

The role

The Risk Analyst will support credit decisions for new business accounts and monitor existing accounts for risk and behavior changes. The role also includes P&L analysis and modeling for an unsecured credit card product.

What you will do

• Analyze new applicant data to support automated and manual credit decisioning.
• Work with business financial statements, tax documents, and banking integrations such as Quickbooks, Netsuite, and Plaid.
• Build dashboards or tools that surface real-time indicators for underwriting and fraud detection.
• Monitor post-origination account behavior, including spend, payments, credit utilization, and engagement.
• Identify signs of weakening creditworthiness using internal data and third-party credit reports.
• Track 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 of the unsecured credit card product, including interchange, interest, rewards cost, and charge-off rates.
• Build models for customer lifetime value, profitability segmentation, and risk-adjusted returns.
• Assist in identifying drivers of loss and opportunities for margin improvement.

Required qualifications

• 5+ years of experience in a data analytics or credit analytics role, preferably in fintech, credit cards, or SMB lending.
• Fluency in SQL or 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.
• Direct access to leadership, customers, and investors.
• Small teams with high trust and real accountability.

About the company

Flex builds AI-native financial services for business owners, including banking, credit, payments, and financial operations. The company launched publicly in September 2023.