Founded in 2019, Flex is an early stage NYC-based FinTech startup that is building the infrastructure to enable flexible bill payments for all Americans, starting with a very common and very large expense: rent. Flex enables its users to pay their rent throughout the month on a schedule that better fits their finances, rather than paying the full amount on the first of each month. This enables renters to better manage their bills and have more available cash throughout the month. Although we're starting with renters, that's just the tip of the iceberg. Interested in learning more? Apply now!

The Sr. Credit Analyst role is part of the Credit & Risk team, which focuses on Credit & Payments Underwriting and Fraud Prevention. The Sr. Analyst will be responsible for developing our payments risk prevention system, building transaction-level performance-prediction models, and incorporating these models into our valuation frameworks. The analyst will also be expected to use these models and tools to recommend changes to automated underwriting policies, including changing pricing, line assignment, and approval decisions. The analyst will work closely with finance, analytics, and development teams across the organization, to ensure flawless execution of recommended policy changes, and to build analytic tools to scale the productivity of the team.

We are looking for enthusiastic people with strong integrative thinking and analytic skills and the ability to operate in a white-space environment. The Sr. Analyst is expected to be able to work with other Flex team members across multiple functional roles including Data Science, Analytics, Sales, Customer Service, and Product Development teams located across geographies. As the team and portfolio grows, the position is expected to grow into a management role.

What you'll do:

• Develop deep understanding of our payment and repayment methods and rules, and the economic trade-offs of letting through or preventing transactions on a real-time basis.
• Utilize existing and proposed data sources and tools to improve underwriting policies and models
• Assist in improving the procedures and rules used to review corner cases and exceptions.
• Optimize and maintain forward-looking valuations frameworks at both the transaction and customer level
• Work closely with product and development teams to implement recommended strategies
• Communicate findings and recommendations to Senior Leadership within the organization
• Analyze loss and performance trends in the existing portfolio, including working closely with Flex’s risk and finance teams to update loss forecasts and volume projections.
• Provide input and guidance on investments in external data sources or fraud and underwriting tools

Who you are:

• Bachelor’s degree or better from an accredited college or university
• 2-5 years of experience in the financial services industry
• Experience in transactional payments space, both in outbound payments and inbound repayment attempts
• Experience with financial lending products, including an understanding of the economic drivers of loans, line-of-credit and credit-card tradelines.
• Experience with Credit Analysis, Business Intelligence Analysis, or Data-Driven Product Analysis.
• Strong Integrative thinking skills, and ability to understand and solve complex business problems.
• Ability to analyze, present and reach conclusions for credit underwriting policies
• Demonstrated ability to work cross-functionally with different roles within the organization
• Creative, motivated, out of the box thinker.
• Can-do thinker with an ability to focus on the customer
• Strong organizational skills with attention to detail and follow through.
• Strong technical ability in SQL and MS Excel or GoogleSheets


Nice to have:
• Candidates with some experience with MongoDB, Python, or other database languages
• Familiarity with the laws, rules, and regulations governing lending within the United States.

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 are remote-friendly with employees located throughout the US, Australia, Brazil, and Israel. 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.

We offer many employee benefits, including:

- Company-paid medical, dental, and vision

- Unlimited paid time off

- 401(k) + company stock options

- Parental leave + IVF and adoption support

- Non-profit company match

- Free Flex subscription