Analyze applicant and account data to support credit underwriting, fraud detection, portfolio monitoring, delinquency management, and collections strategies. Interpret business financial statements, banking data, and credit reports; build dashboards, behavioral segments, and performance cohorts; and evaluate credit product profitability, customer lifetime value, losses, and risk-adjusted returns. Communicate findings to influence risk management and product strategy.
Flex is building the AI-native private bank for business owners.
We’re re-architecting the entire financial system for entrepreneurs—from the first dollar a business earns to how that value compounds, moves, and is ultimately spent in real life. Banking, credit, payments, personal finance, and financial operations—rebuilt from the ground up as a single, intelligent system. Flex is the full financial home for ambitious owners.
Since launching publicly in September 2023, Flex has scaled from zero to nine-figure annualized revenue, with a clear path to profitability by late 2026. We move fast, ship relentlessly, and operate with extreme ownership.
Our customers are affluent business owners ($3–$200M in revenue)—the backbone of the economy and one of the most underserved segments in finance. They’re stuck with outdated banks and fragmented tools. We’re replacing all of it. The opportunity is massive: a ~$1T+ revenue market hiding in plain sight. Our ambition is to build a $100B+ company by delivering a product that is fundamentally better—not incrementally improved.
Flex has raised $100M+ in equity and $300M+ in debt.
- Mission-critical problems: We build software that directly controls how money moves at scale.
- High bar, low ego: Small teams, exceptional people, real ownership.
- Speed over comfort: We prioritize execution, quality, clarity, and results.
- Enduring impact: What we’re building will define how a generation of owners runs their businesses.
Team & Locations
We hire exceptional people who want to build hard things and see their work matter immediately. Roles are available in: San Francisco, Miami, New York, and fully remote.
Flex Fuels Ambition.
About the Role
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.
What You'll Do
- 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.
New Account Evaluation
Existing Account Management
Credit Product P&L Understanding
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.
Why Join Us
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.
Flex (flex.one) Milpitas, California, USA Office
Milpitas, United States, 0
Flex (flex.one) San Jose, California, USA Office
6201 America Center Dr, San Jose, United States, 95002
Flex (flex.one) Santa Clara, California, USA Office
Santa Clara, United States
Flex (flex.one) Sunnyvale, California, USA Office
Sunnyvale, United States
Similar Jobs
Information Technology • Productivity • Software • Infrastructure as a Service (IaaS)
Leads NinjaOne’s FedRAMP High and Moderate compliance program, including authorization, continuous monitoring, audits, control testing, POA&M management, vulnerability remediation, documentation, and assessor coordination. Partners with engineering and federal stakeholders to implement controls, maintain evidence, manage cloud security dependencies, track regulatory changes, and automate compliance workflows. Provides FedRAMP subject matter expertise to internal teams, customers, and prospects while improving audit efficiency and evidence quality.
Top Skills:
AWSAws Security HubAzureGCPKqlLucidchartMicrosoft VisioOscalPythonQualysRegoSQLTenableWiz
Artificial Intelligence • Big Data • Healthtech • Information Technology • Machine Learning • Software • Analytics
Conduct model risk validations, governance, stress testing, back-testing, and effective challenge across the model lifecycle. Develop enterprise risk reports, dashboards, metrics, committee materials, and remediation tracking. Support ERM framework implementation, regulatory examinations, audits, risk trend analysis, issue management, and governance process improvements. Collaborate with model owners, management, and risk committees while using SQL, Python, Excel, PowerPoint, and approved AI tools to analyze data and improve workflows.
Top Skills:
ExcelMicrosoft PowerpointPythonSQL
Big Data • Cloud • Software • Database
Supports the third-party risk management lifecycle by applying risk methodologies, assessing standard vendor relationships, reviewing documentation, coordinating stakeholder and subject matter expert reviews, tracking remediation, maintaining assessment records, and preparing status reports. The role performs data-quality checks, communicates with third parties regarding lower-risk gaps, escalates complex or high-risk issues, and contributes to TPRM process improvements and audit readiness.
Top Skills:
CaiqCcpaDoraFedrampGdprGraphite ConnectIso 27001JIRANis2Nist Sp 800-53OccPci-DssSig Core/LiteSoc 2
What you need to know about the San Francisco Tech Scene
San Francisco and the surrounding Bay Area attracts more startup funding than any other region in the world. Home to Stanford University and UC Berkeley, leading VC firms and several of the world’s most valuable companies, the Bay Area is the place to go for anyone looking to make it big in the tech industry. That said, San Francisco has a lot to offer beyond technology thanks to a thriving art and music scene, excellent food and a short drive to several of the country’s most beautiful recreational areas.
Key Facts About San Francisco Tech
- Number of Tech Workers: 365,500; 13.9% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Google, Apple, Salesforce, Meta
- Key Industries: Artificial intelligence, cloud computing, fintech, consumer technology, software
- Funding Landscape: $50.5 billion in venture capital funding in 2024 (Pitchbook)
- Notable Investors: Sequoia Capital, Andreessen Horowitz, Bessemer Venture Partners, Greylock Partners, Khosla Ventures, Kleiner Perkins
- Research Centers and Universities: Stanford University; University of California, Berkeley; University of San Francisco; Santa Clara University; Ames Research Center; Center for AI Safety; California Institute for Regenerative Medicine
