Portfolio Risk Analytics Lead

We are seeking an energetic and intellectually curious Analytics professional with domain expertise in credit analytics and a strong grasp of financial data interpretation. The ideal candidate will be comfortable working with varied datasets to derive insights for both credit underwriting and ongoing portfolio management. This role will play a critical part in improving credit decisions, monitoring customer behavior, and informing risk management and product strategy. Key Responsibilities 1. New Account Evaluation ·       Analyze new applicant data to support automated and manual credit decisioning. ·       Work with data extracted from business financial statements, tax documents, and banking integrations (e.g., Quickbooks, Netsuite, Plaid, etc). ·       Leverage insights from adjacent product usage (e.g., business banking, payments platforms) to evaluate risk profiles. ·       Build dashboards or tools to surface real-time indicators for underwriting and fraud detection. 2. Existing Account Management ·       Monitor account-level behavior post-origination, including spend and payment patterns, credit utilization, and engagement. ·       Identify signs of weakening creditworthiness using internal data and third-party credit reports (e.g., Experian, D&B). ·       Track and analyze delinquency trends and payment consistency to refine risk models and collections strategies. ·       Develop behavioral segments and performance cohorts for proactive account management. 3. Credit Product P&L Understanding ·       Support P&L analysis of the unsecured credit card product, including interchange income, interest revenue, rewards cost, and 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

This role sits in the foundational build path of core risk management disciplines, and we expect significant upward potential for the right candidate. The emphasis is on finding colleagues with a strong foundation more than a ‘minimum number of years’ constraint. We can work with folks who have 5–15 years of hands-on credit card risk analytics experience across consumer and small business; direct exposure to both a bank or bank-issued program and a fintech lender strongly preferred

Subject matter expertise in credit card metrics — vintage curves, roll rates, loss forecasting, utilization dynamics, payment hierarchy — built through direct ownership of these analyses, not observation

Analytically self-sufficient: proficient in SQL and Python or R, comfortable working with large and messy datasets, and capable of building from raw data rather than consuming pre-built dashboards

Understands the distinct analytical demands of SMB credit: cash flow seasonality, owner-business financial entanglement, and the limits of bureau data for thin-file entities

Mindset

Operates at a senior thinking level relative to peer cohort — brings a point of view, challenges assumptions, and moves without waiting to be directed

High quantitative aptitude with strong intuition for when outputs don't pass the smell test; catches anomalies early

High-energy, end-to-end owner who thrives in environments where infrastructure is still being built and the analytical agenda isn't fully handed to you

Interested?  We'd love to hear from you At Flex, we value passion, determination, and honesty. Even if you don't fully match the job specifics, we encourage you to apply. Unusual career paths and unique skills can help you stand out. We believe diversity drives our success.