Senior Portfolio Risk Analyst

Summary

Join Flex, a rapidly growing finance super app for business owners, and become an Analytics professional specializing in credit analytics. You will play a critical role in improving credit decisions, monitoring customer behavior, and informing risk management and product strategy. This fully remote position offers the opportunity to work with varied datasets, build dashboards, and contribute to a data-first culture. You will analyze new applicant data, monitor account behavior, and support P&L analysis of the unsecured credit card product. Flex offers a competitive salary and the chance to shape the analytics foundation of a rapidly growing credit product.

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

Responsibilities

• 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
• 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

Preferred Qualifications

• Knowledge of unsecured credit economics including funding costs, loss curves, and revenue levers
• Familiarity with fraud prevention tools and risk decisioning platforms (e.g., Alloy, Sentilink, Sardine)
• Proficiency with data extraction and manipulation tools such as Looker, Tableau, or Power BI
• Experience using data platforms like Snowflake, Redshift, BigQuery, or similar cloud-based environments

Benefits

• Opportunity to shape the analytics foundation of a rapidly growing credit product
• Work closely with cross-functional teams in product, engineering, risk, and operations
• Tackle complex and impactful financial inclusion and risk challenges
• Be part of a data-first culture that values curiosity, collaboration, and clear thinking
• $120,000 - $150,000 a year