Risk Analyst
富克斯正在为企业主建立 AI 原生私人银行。我们将从一个公司钱的第一美元开始，重新构建整个创业者金融系统，再到其价值如何合并，移动和最终在现实生活中花费。银行，信用，支付，个人财务和金融运营从头起重建成单一智能系统.Flex 是雄心勃勃的所有者的完整的金融家园。自2023年9月公开启以来，Flex 已经从零升至九位数的年度收入，到了2026年底前实现利率的明确道路。我们快速发展，不屈不地运营，并且拥有极端的所有权。我们的客户是富裕的企业主 （300亿美元收入）经济的脊柱，也是金融领域最受困部分之一。他们住了过时银行和碎片化工具。我们正在取代所有这些。机会巨大：一个大约1万美元+的营收市场隐藏在目光中。我们的野心是通过提供根本上更好的产品而不是逐步改善建立100亿美元+的公司.Flex 已经筹集了1000万美元以上的股权和300万美元以上债务。- 任务关键问题：我们构建直接控制货币如何移动的软件。- 高杆，低自我：小团队，特殊的人员，真正的拥有者。- 速度超越舒适性：我们优先考虑执行，质量，清晰度和结果。- 持久影响：我们正在建设的将定义一代业主如何运营他们的企业。团队 & 地点 我们雇用出色的人谁想立即建造艰难的事情并看到他们的工作有意义。角色可在：旧金山，迈阿密，纽约，完全远程。柔性燃料野心。关于角色 我们寻求一个充满活力和智能好奇的分析专业人士，拥有领域资产分析方面的专业知识和强大的掌握金融数据解释。理想的候选人将舒适地使用各种数据集来获得信贷承销和持续投资组合管理的见解。该角色将在改善信用决策，监测客户行为以及信息风险管理和产品战略方面发挥关键作用。你会做什么新账户评估 ·分析新的申请者数据以支持自动化和手动的信贷决策。·与从业务财务报表，税收文件和银行整合中提取的数据一起工作 （例如：快书，网盘，普莱德等）. ·利用邻近产品中的见解)
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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 They’re stuck with outdated banks and fragmented tools.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
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.
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.
Compensation
Final compensation within this range will be based on experience, qualifications, and interview performance. This position is also eligible for equity compensation. Flex offers medical, dental and vision insurance, paid time off, and a 401(k) plan. Applications will be accepted on an ongoing basis until the position is filled.
Additional Information
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.