Portfolio Risk Analytics Lead

Role Description

The Portfolio Risk Analytics Lead is a key member of the Flex Risk Management Leadership Team (reports to the Chief Risk Officer) who will have the opportunity to take the intelligence engine at Flex to a level that rivals the best in class.

• Own end-to-end portfolio risk analytics for Flex's credit card book across small business and consumer segments — end-to-end meaning full lifecycle visibility, from pre-acquisition through charge-off:
• Acquisition & application flow:
  • Attribution of applicant volume by channel and marketing source
  • Approval rate and decline reason analysis
  • Segmentation of the incoming credit population to inform policy calibration
• Credit policy & line assignment:
  • Analyze approval thresholds, bureau cutoff performance, and risk-tiered line sizing
  • Identify where policy is over- or under-serving the target credit population
• Multi-relationship context:
  • Incorporate existing Flex relationship data — payment history, product usage, behavioral signals — into credit decisioning and line management frameworks
• Spend, authorization & usage:
  • Monitor authorization patterns, spend velocity, and category mix as leading indicators of both credit quality and fraud risk
  • Identify anomalies at the obligor and segment level
• Payment behavior & utilization:
  • Track minimum payment rates, payment-to-balance ratios, revolve propensity, and utilization trends as core indicators of borrower stress or strength
• Portfolio performance & loss:
  • Maintain vintage curves, roll rate matrices, and delinquency migration analysis
  • Own loss forecasting and reserve calibration inputs
• Charge-off & recovery:
  • Analyze loss emergence patterns by segment, vintage, and acquisition cohort
  • Incorporate recovery expectations into net loss projections
• Build and maintain early warning frameworks that surface emerging credit deterioration before it appears in lagging indicators — translating behavioral and transactional signals into actionable portfolio triggers
• Synthesize data across sources — financial statements, open banking, 3rd party, transaction-level, behavioral, and macro — to construct a coherent view of portfolio health; fill analytical gaps intelligently when data is sparse or contradictory
• Lead periodic portfolio reviews: design the analytical narrative, own the underlying data, and present findings with clear risk implications to credit committees and senior leadership
• Develop credit risk segmentation — by industry, vintage, utilization band, payment behavior, and obligor type — to enable more precise limit management, pricing, and loss reserve calibration
• Partner cross-functionally with Underwriting, Engineering, Product, Finance, and L&C to ensure portfolio risk visibility is embedded in upstream decisions, not surfaced reactively
• Contribute to stress testing and scenario analysis: model portfolio performance under adverse conditions and translate output into concrete exposure and loss estimates
• Serve as the internal SME on credit card analytics — establishing standards for how the portfolio is measured, reported, and interpreted as the book scales

Qualifications

• 7–15 years of hands-on credit card risk analytics experience across consumer and small business; direct exposure to both a bank or bank-issued program and a fintech lender strongly preferred
• Subject matter expertise in credit card metrics — vintage curves, roll rates, loss forecasting, utilization dynamics, payment hierarchy — built through direct ownership of these analyses, not observation
• Analytically self-sufficient: proficient in SQL and Python or R, comfortable working with large and messy datasets, and capable of building from raw data rather than consuming pre-built dashboards
• Understands the distinct analytical demands of SMB credit: cash flow seasonality, owner-business financial entanglement, and the limits of bureau data for thin-file entities

Requirements

• Operates at a senior thinking level relative to peer cohort — brings a point of view, challenges assumptions, and moves without waiting to be directed
• High quantitative aptitude with strong intuition for when outputs don't pass the smell test; catches anomalies early
• High-energy, end-to-end owner who thrives in environments where infrastructure is still being built and the analytical agenda isn't fully handed to you

Benefits

• $150,000 - $250,000 a year
• Equity in the company in addition to the Base Compensation