Risk Data Scientist

Risk Data ScientistLocation: Downtown Boston - Preferred Onsite-CA/GA/TX -Optional Onsite hub locationsEmployment Type: Exempt Full Time Compensation: $112,000 - $155,000 + Full Benefit Package Day OneAt Flexcar, our mission is to make car ownership flexible, affordable, and enjoyable for everyone. We've created a month-to-month option that is more affordable than buying and more flexible than leasing. Our members are saving money and choosing a model that fits how real life actually works. Building a better model of car ownership takes more than technology. It takes people who value clarity, fairness, and real human experience.About the RoleFlexcar is seeking a Risk Data Scientist to manage model-driven approaches to credit, accident, and fraud risk. We're looking for someone who can own the full lifecycle of our risk modeling stack: building and calibrating models, managing the platforms they run on, and translating results into actionable recommendations. This is a hands-on individual contributor role. You'll work closely with our Risk, Finance, Product, and Operations teams and have significant influence over how we balance growth against risk exposure. The models you build matter, and you'll see their results in real performance data. Flexcar's unique set of data provides an exciting arena to find signals in new and creative ways. The role spans modeling, platform management, and analytics, which means no two weeks look the same. If you want immediate impact and ownership across a full risk stack, this is the fit for you.What You'll DoRisk Modeling & Model DevelopmentBuild, refine, and maintain eligibility models and risk scoring frameworks used to make real-time application decisions using the latest AI toolsBalance multiple initiatives at once, collaborating across the organization to rapidly solve problems through applied data scienceOwn calibration and ongoing improvement of our Safe Driving Score and related behavioral risk modelsLead feature selection, target variable development, and model validationCollaborate with stakeholders to set risk thresholds that balance growth with loss targetsModel Platform & Vendor IntegrationManage our modeling environment and maintain our orchestration platform, where all risk models and decision workflows liveMonitor data quality and technical integrations with data vendors across fraud, credit, debt, public records, and driving history, working with our Data Engineering and data pipelines are current and models are ingesting the right inputsPartner with engineering and vendor technical teams when API changes or new data sources require updates that would benefit our modeling strengthMonitoring & AnalysisMonitor the performance of deployed risk frameworks against key metricsIdentify drift, anomalies, or opportunities for improvement and bring forward clear recommendationsContribute to ad hoc analysis supporting risk strategy decisionsWhat We're Looking For RequiredBachelor's degree in Economics, Mathematics, Business or a related discipline preferred3+ years of experience in a data science or quantitative modeling role with proven, quantifiable outputComfortable leaning in to AI-first solutions, with experience using the latest AI tools to drive results at a high velocityStrong Python and SQL skills; comfortable working with messy, real-world dataHands-on experience building and deploying predictive models in a production environmentAbility to work independently and own outcomes, not just tasksNice to HaveExperience with AI data science platforms and orchestration platformsExperience with behavioral or telematics-based risk signals is a strong plus.Familiarity with third-party data vendors used in risk decisioning (bureau data, identity verification, motor vehicle records, etc.)Experience in a startup or high-growth environment where the work is broad and the tooling is still evolvingWhat Tops Off the TankRest & Relaxation: Flexible PTO policy.Future Savings : Benefit from a 401(k) plan with company match from day one.Benefits: Excellent, low-cost healthcare coverage including: medical, dental, vision, eligibility day one.Drive a Flexcar! Discounted employee rate on Flexcar products and no annual membership fee.Weekly PayAnd other amazing perks!Flexcar is an Equal Opportunity Employer and prohibits discrimination and harassment of any kind. Flexcar provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.