Senior Staff, Decision Scientist, Risk New Risk Remote (U.S.)

Job Description – Senior Staff Decision Scientist Flex is a growth‑stage, NYC‑headquartered FinTech company that is creating the best rent payment experience. It’s hard to believe that it’s 2026 and paying rent on time is expensive, inflexible, and difficult. We’re here to change that! Flex enables our users to pay rent throughout the month on a schedule that better fits their finances and budget. Our mission is to empower as many renters as possible with flexibility over their most significant recurring expense. After deliberately keeping a stealth profile as we built up unprecedented investor support and an enthusiastic user base, we are looking for motivated individuals to help us keep our mission growing. Will you be a part of the team? About the Role As a Senior Staff Decision Scientist on the Risk & Decision Science team, you’ll own the strategy and optimization of Flex’s payment decisioning stack. This includes authorization optimization, PSP routing, retries/failover logic, and cost vs. risk tradeoffs across millions of dollars of payment volume. This is a high‑impact, senior individual contributor role where you’ll work at the intersection of payments, product, engineering, finance, and data to improve core platform economics and customer experience. If you’ve worked on payments platforms, risk systems, credit, or large‑scale decisioning at companies like Stripe, PayPal, Square, Adyen, or big tech, this role is very much in that vein. What You’ll Do Own and evolve Flex’s payment decisioning and routing strategy across multiple PSPs Use data to increase authorization rates while reducing processing costs and losses Design and evaluate retry, failover, and fallback strategies to improve reliability and performance Analyze large‑scale payment and risk data to identify product and platform improvements Build models and forecasts to understand the impact of policy and product changes Run experiments and measure tradeoffs between growth, risk, cost, and user experience Partner closely with Product, Engineering, Finance, and Operations to ship improvements to the payments platform Define metrics and dashboards to monitor performance and guide strategy Communicate clear, actionable recommendations to leadership and stakeholders 10+ years of experience in payments, risk, credit, decision science, or platform analytics Strong hands‑on skills in Python and SQL and working with large, messy datasets Experience working on high‑scale transactional systems (payments, lending, marketplaces, fintech, or similar) Familiarity with concepts like authorization optimization, loss modeling, cohort/vintage analysis, or unit economics Strong product and business intuition—you care about shipping impact, not just analysis Comfortable operating cross‑functionally and owning ambiguous, high‑leverage problem spaces Background in fintech, payments, or large tech platforms is a strong plus The national pay range for this role is $216,000–$270,000 base salary. Individual compensation will be commensurate with the candidate’s experience aligned with Flex’s internal leveling guidelines and benchmarks. 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 have employees located throughout the US, Australia, Canada, and South America. 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. For full‑time U.S. based employees we offer: Competitive pay 100% company‑paid medical, dental, and vision 401(k) + company stock options Unlimited paid time off with a PTO minimum + 13 company paid holidays Parental leave Flex Cares Program: Non‑profit company match + pet adoption coverage Free Flex subscription For full‑time non‑U.S. employees we offer: Competitive compensation + company equity Unlimited PTO Offices Roles posted in New York, San Francisco, and Salt Lake City are hybrid positions with on‑site expectations of 2‑3 days per week in our local offices. For candidates outside of these areas, you may be eligible for our relocation assistance program. Voluntary Self‑Identification For government reporting purposes, we ask candidates to respond to the below self‑identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file. As set forth in Flex’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law. Voluntary Self‑Identification of Disability Form CC-305 Page 1 of 1 OMB Control Number 1250‑0005 Expires 04/30/2026 We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years. Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at How do you know if you have a disability? A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to: Alcohol or other substance use disorder (not currently using drugs illegally) Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS Blind or low vision Cancer (past or present) Cardiovascular or heart disease Celiac disease Cerebral palsy Deaf or serious difficulty hearing Diabetes Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders Epilepsy or other seizure disorder Gastrointestinal disorders, for example, Crohn’s Disease, irritable bowel syndrome Intellectual or developmental disability Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD Missing limbs or partially missing limbs Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS) Neurodivergence, for example, attention‑deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities Partial or complete paralysis (any cause) Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema Short stature (dwarfism) Traumatic brain injury Use of AI in Our Hiring Process We may use automated AI tools to evaluate job applications for efficiency and consistency. These tools comply with local regulations, including bias audits, and we handle all personal data in accordance with state and local privacy laws. #J-18808-Ljbffr Flex group