Flex - Risk Analyst
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
• 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. • 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.
Benefits
• 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.
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