Analyze new and existing accounts for credit decisions, monitor customer behavior, and support credit product P&L analysis using various datasets.
Flex is building a finance super app for business owners — reimagining every single aspect of the financial workflow and financial services for any entrepreneur. The company has grown revenue 25x+ since publicly launching in September 2023 and is on track to achieve profitability by mid 2025. Flex is focused on mid-market businesses ($3 - $100M revenue) that are largely overlooked by existing fintech solutions and reliant on slow and outdated regional banks. We are targeting a ~$1T revenue opportunity that is largely up for grabs.
Flex is a fully remote company and this role can be performed from anywhere.
We are seeking an energetic and intellectually curious Analytics professional with domain expertise in credit analytics and a strong grasp of financial data interpretation. The ideal candidate will be comfortable working with varied datasets to derive insights for both credit underwriting and ongoing portfolio management. This role will play a critical part in improving credit decisions, monitoring customer behavior, and informing risk management and product strategy.
Key Responsibilities
1. 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.
2. 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.
3. 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.
Required Qualifications
- 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.
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.
Why join us?
- 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.
Interested? We'd love to hear from you
At Flex, we value passion, determination, and honesty. Even if you don't fully match the job specifics, we encourage you to apply. Unusual career paths and unique skills can help you stand out. We believe diversity drives our success.
Top Skills
BigQuery
Looker
Power BI
Python
R
Redshift
SAS
Snowflake
SQL
Tableau
Similar Jobs
Aerospace • Hardware • Information Technology • Security • Software • Cybersecurity • Defense
The Senior Principal Supplier Quality Engineer leads quality assurance for electronics suppliers, ensuring robust manufacturing processes and compliance with standards through audits, inspections, and improvements.
Top Skills:
As9100 Quality SystemAs9102CAs9145 Apqp/PpapAsme Y15.1Ipc-6012Ipc-6013Ipc-6018Ipc-A-600Mil-Prf-38534Mil-Std-883
Aerospace • Hardware • Information Technology • Security • Software • Cybersecurity • Defense
Responsible for quality assurance in supplier products, conducting inspections, resolving issues, and leading continuous improvement projects in electronics manufacturing.
Top Skills:
As9100As9102CAs9145Asme Y15.1Ipc-6012Ipc-6013Ipc-6018Ipc-A-600Lean ManufacturingMil-Prf-38534Mil-Std-883Pfmea
Aerospace • Hardware • Information Technology • Security • Software • Cybersecurity • Defense
The Principal Supplier Quality Engineer will ensure supplier quality through inspections, audits, and corrective actions while handling supplier quality projects and communication.
Top Skills:
As9100As9102CAsme Y15.1Ipc-6012Ipc-6013Ipc-6018Ipc-A-600Mil-Prf-38534Mil-Std-883
What you need to know about the Charlotte Tech Scene
Ranked among the hottest tech cities in 2024 by CompTIA, Charlotte is quickly cementing its place as a major U.S. tech hub. Home to more than 90,000 tech workers, the city’s ecosystem is primed for continued growth, fueled by billions in annual funding from heavyweights like Microsoft and RevTech Labs, which has created thousands of fintech jobs and made the city a go-to for tech pros looking for their next big opportunity.
Key Facts About Charlotte Tech
- Number of Tech Workers: 90,859; 6.5% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Lowe’s, Bank of America, TIAA, Microsoft, Honeywell
- Key Industries: Fintech, artificial intelligence, cybersecurity, cloud computing, e-commerce
- Funding Landscape: $3.1 billion in venture capital funding in 2024 (CED)
- Notable Investors: Microsoft, Google, Falfurrias Management Partners, RevTech Labs Foundation
- Research Centers and Universities: University of North Carolina at Charlotte, Northeastern University, North Carolina Research Campus
