Portfolio Risk Analytics Lead

Flex

Portfolio Risk Analytics Lead managing and analyzing credit risk for Flex's services. Own end-to-end portfolio risk analytics while collaborating across teams to ensure effective credit policies.

Posted 5/9/2026full-timeRemote • 🇺🇸 United StatesSenior💰 $150,000 - $250,000 per yearWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Own end-to-end portfolio risk analytics for Flex's credit card book
Analyze approval thresholds, bureau cutoff performance, and risk-tiered line sizing
Incorporate existing Flex relationship data into credit decisioning and line management frameworks
Monitor authorization patterns and spend velocity for credit quality
Track minimum payment rates and utilization trends
Maintain vintage curves and delinquency migration analysis
Analyze loss emergence patterns by segment and cohort
Build and maintain early warning frameworks for credit deterioration
Synthesize data from multiple sources for portfolio health
Lead periodic portfolio reviews and present findings to senior leadership
Develop credit risk segmentation for precise limit management
Partner cross-functionally with various teams to ensure risk visibility
Contribute to stress testing and scenario analysis

Requirements

What you’ll need

5–15 years of hands-on credit card risk analytics experience across consumer and small business
Subject matter expertise in credit card metrics — vintage curves, roll rates, loss forecasting, utilization dynamics, payment hierarchy
Proficient in SQL and Python or R, comfortable working with large datasets
Understands the analytical demands of SMB credit: cash flow seasonality and owner-business financial entanglement
Operates at a senior thinking level relative to peer cohort
High quantitative aptitude with strong intuition.
High-energy, end-to-end owner who thrives in dynamic environments

Benefits

Comp & perks

Equity in the company in addition to the Base Compensation.

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit card risk analyticsSQLPythonRvintage curvesroll ratesloss forecastingutilization dynamicspayment hierarchydata synthesis

Soft Skills

quantitative aptitudestrong intuitionhigh-energyend-to-end ownershipdynamic environment adaptabilityleadershipcross-functional collaborationpresentation skillsanalytical thinkingproblem-solving