Senior Staff Decision Science (Risk)

Flex; San Francisco, New York (CA, NY); Hybrid; USD 190,000 - 235,000; Full time

Benefits offered by this job

Medical, dental, and vision

Company equity

401(k) with company match

Unlimited PTO + 13 holidays

Parental leave

Flex subscription

Job summary

Flex is seeking a Senior Staff Decision Scientist to join the Risk and Decision Science team in shaping risk policy for a new credit product and guiding its launch strategy. You will work on managing financial risk, maximizing customer lifetime value, and driving long-term growth.

Responsibilities include partnering with product, engineering, and Legal & Compliance to define risk roadmaps, building scalable dashboards, and applying AI/LLM tools to accelerate analytics.

Qualifications

• 8+ years of risk/credit strategy experience in financial services or FinTech.
• Graduate degree in a quantitative field.
• Advanced SQL and data visualization skills; experience building reusable analytics tooling.

Responsibilities

• Shape product strategy and define 3–6 month risk roadmap.
• Define and implement risk policies for the product launch.
• Build scalable dashboards and data pipelines for KPIs, risk, and loss trends.
• Use data-driven insights to update policies and maximize customer lifetime value.
• Own the product unit economics and growth trajectory.
• Collaborate with product, engineering and Legal & Compliance teams.

Skills

SQL

Data Visualization

Risk/Credit Strategy

Experimentation

Stakeholder Communication

Product Analytics

Leadership

LTV Maximization

Education

Graduate degree in Statistics, Mathematics, Computer Science, or related quantitative field

Tools

Claude Code (AI/LLM tools)

Job description

Flex is a growth‑stage, NYC headquartered FinTech company that is creating the best rent payment experience. It’s hard to believe that it’s 2026 and paying rent on time is expensive, inflexible, and difficult. We’re here to change that! Flex enables our users to pay rent throughout the month on a schedule that better fits their finances and budget. Our mission is to empower as many renters as possible with flexibility over their most significant recurring expense. After deliberately keeping a stealth profile as we built up unprecedented investor support and an enthusiastic user base, we are looking for motivated individuals to help us keep our mission growing. Will you be a part of the team?

About the role

We are seeking an experienced Senior Staff Decision Scientist to join our Risk and Decision Science team. In this role, you will play a pivotal part in shaping the design of a new credit product, developing its risk policy and launch strategy, and proactively identifying the next opportunities to expand its scope. Your work will be central to managing financial risk, maximizing customer lifetime value (LTV), and driving long‑term business growth.

What you’ll do

• Partner with the product, engineering and Legal & Compliance team to shape product strategy and define the 3–6 month risk roadmap for the domain.
• Define and implement risk policies and strategies to support the product’s launch.
• Build scalable, product‑level dashboards and pipelines to track product KPIs, risk exposure and loss trends that are reused across teams.
• Leverage data‑driven insights and experimentation to inform policy updates, drive continuous improvement to maximize customer LTV.
• Take full ownership of the product’s unit economics — setting ambitious goals and identifying the pathway to sustainable, long‑term growth.
• 8+ years of relevant experience, including risk/credit strategy at a financial institution or Fintech.
• A graduate degree in Statistics, Mathematics, Computer Science, or a related quantitative field.
• Advanced proficiency in SQL and data visualization, with a track record of building scalable analytics and tooling that other teams reuse.
• Excellent problem‑solving skills and effectiveness in communicating complex technical concepts to non‑technical stakeholders.
• Subject‑matter expertise across a large risk domain (e.g., existing‑user credit risk or account takeover), with a strong sense of ownership and a track record of proactively expanding scope.
• Hands‑on experience applying AI/LLM tools (e.g., Claude Code) to accelerate analytics — evaluating and adopting AI tooling for the team and building automations others reuse, with sound judgment on accuracy, bias, and compliance.

Qualifications

• 8+ years of relevant experience, including risk/credit strategy at a financial institution or Fintech.
• A graduate degree in Statistics, Mathematics, Computer Science, or a related quantitative field.
• Advanced proficiency in SQL and data visualization, with a track record of building scalable analytics and tooling that other teams reuse.
• Excellent problem‑solving skills and effectiveness in communicating complex technical concepts to non‑technical stakeholders.
• Subject‑matter expertise across a large risk domain (e.g., existing‑user credit risk or account takeover), with a strong sense of ownership and a track record of proactively expanding scope.
• Hands‑on experience applying AI/LLM tools (e.g., Claude Code) to accelerate analytics — evaluating and adopting AI tooling for the team and building automations others reuse, with sound judgment on accuracy, bias, and compliance.

Compensation

Flex takes a market‑based approach to pay, ensuring compensation is commensurate with a candidate’s experience and our internal leveling guidelines. For candidates located in our Tier 1 (NYC/Bay Area) markets, the base salary pay range for this role is below. Flex utilizes a geographic pay differential based on a cost of labor index. If you are located outside of the cities listed below, your starting pay will be adjusted to align with the market conditions of your specific geographic zone.

Tier 1 (NYC/Bay Area)

$190,000 - $235,000 USD

Life at Flex

We understand that it takes a diverse team of highly intelligent, curious, determined, empathetic, and self‑aware people to grow a successful company. Our HQ is located in New York City, but we have employees located throughout the US, Australia, Canada and South America. We are growing quickly, but deliberately, with a focus on building an inclusive culture. Our dynamic team has incredible perspectives to share, just as we know you do, and we take great pride in being an equal opportunity workplace.

Offices

Roles posted in New York, San Francisco, and Salt Lake City are hybrid positions with on‑site expectations of 2‑3 days per week in our local offices. For candidates outside of these areas, you may be eligible for our relocation assistance program.

Benefits for Full‑time US Employees

• Competitive medical, dental, and vision
• Company equity
• 401(k) plan with company match
• Unlimited paid time off + 13 company paid holidays
• Parental leave
• Free Flex subscription

Benefits for Full‑time Non‑US Employees

• Competitive compensation + company equity
• Unlimited PTO

Voluntary Self‑Identification

As set forth in Flex’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.

Voluntary Self‑Identification of Disability

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