Risk Analyst

Remote; San Francisco (CA); On-site; USD 150,000 - 210,000; Full time

Job summary

Flex is seeking an energetic Analytics professional with domain expertise in credit analytics to join our AI-native private bank for business owners. You will analyze new applicant data, evaluate risk, and inform underwriting and portfolio management.

You will work with data from business financials and banking integrations, build real-time dashboards, monitor post-origination behavior, and refine risk models to optimize profitability and credit decisions across the SMB segment.

Qualifications

• 5+ years in data analytics or credit analytics, fintech or SMB lending preferred.
• Fluency in SQL / SAS and comfort with Python or R for analysis and automation.
• Strong understanding of credit underwriting principles and SMB financial analysis.
• Experience interpreting P&L, balance sheet, tax returns and cash flow data.
• Familiarity with credit bureau data and commercial credit reports.
• Ability to communicate findings clearly and influence stakeholders.

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, etc).
• Leverage insights from adjacent product usage to evaluate risk profiles.
• Build dashboards or tools to surface real-time indicators for underwriting and fraud detection.
• 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 (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.
• 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.

Skills

SQL

SAS

Python/R

Credit underwriting

SMB financial analysis

Tools

QuickBooks

Netsuite

Plaid

Job description

Defining the future of work & living globally

Flex is building the AI-native private bank for business owners.

We’re re-architecting the entire financial system for entrepreneurs—from the first dollar a business earns to how that value compounds, moves, and is ultimately spent in real life. Banking, credit, payments, personal finance, and financial operations—rebuilt from the ground up as a single, intelligent system. Flex is the full financial home for ambitious owners.

Since launching publicly in September 2023, Flex has scaled from zero to nine-figure annualized revenue, with a clear path to profitability by late 2026. We move fast, ship relentlessly, and operate with extreme ownership.

Our customers are affluent business owners ($3–$200M in revenue)—the backbone of the economy and one of the most underserved segments in finance. They’re stuck with outdated banks and fragmented tools. We’re replacing all of it. The opportunity is massive: a ~$1T+ revenue market hiding in plain sight. Our ambition is to build a $100B+ company by delivering a product that is fundamentally better—not incrementally improved.

Flex has raised $100M+ in equity and $300M+ in debt.

Mission-critical problems: We build software that directly controls how money moves at scale.

High bar, low ego: Small teams, exceptional people, real ownership.

Speed over comfort: We prioritize execution, quality, clarity, and results.

Enduring impact: What we’re building will define how a generation of owners runs their businesses.

About the Role

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.

What You'll Do

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.

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.

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.

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.

Why Join Us

Build something generational — Capture the full lifecycle of money for ambitious business owners.

Work on real money, real risk — Payments, credit, and banking at serious scale.

Solve hard problems — AI, underwriting, compliance, and global finance from first principles.

True ownership — Small teams, high trust, real accountability.

Founder-level exposure — Direct access to leadership, customers, and investors.

High bar, high taste — Move fast without cutting corners.

Elite peers — People here are builders, not tourists.

Real upside — Meaningful equity if you help build something big.