Flex logo
Flex

End-to-end finance platform for businesses.

Portfolio Risk Analytics Lead

Location

United States

Posted

26 days ago

Salary

$150K - $250K / year

Seniority

Senior

Bachelor Degree5 yrs expExperience acceptedEnglishPythonSQL

Job Description

Portfolio Risk Analytics Lead

Flex

• Own end-to-end portfolio risk analytics for Flex's credit card book • Analyze approval thresholds, bureau cutoff performance, and risk-tiered line sizing • Incorporate existing Flex relationship data into credit decisioning and line management frameworks • Monitor authorization patterns and spend velocity for credit quality • Track minimum payment rates and utilization trends • Maintain vintage curves and delinquency migration analysis • Analyze loss emergence patterns by segment and cohort • Build and maintain early warning frameworks for credit deterioration • Synthesize data from multiple sources for portfolio health • Lead periodic portfolio reviews and present findings to senior leadership • Develop credit risk segmentation for precise limit management • Partner cross-functionally with various teams to ensure risk visibility • Contribute to stress testing and scenario analysis

Job Requirements

  • 5–15 years of hands-on credit card risk analytics experience across consumer and small business
  • Subject matter expertise in credit card metrics — vintage curves, roll rates, loss forecasting, utilization dynamics, payment hierarchy
  • Proficient in SQL and Python or R, comfortable working with large datasets
  • Understands the analytical demands of SMB credit: cash flow seasonality and owner-business financial entanglement
  • Operates at a senior thinking level relative to peer cohort
  • High quantitative aptitude with strong intuition.
  • High-energy, end-to-end owner who thrives in dynamic environments

Benefits

  • Equity in the company in addition to the Base Compensation.

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