Full-Time
Portfolio Risk Analytics Lead
Flex
51-200 employees
Interest-bearing digital banking with expense tools
Compensation Overview
$150k - $250k/yr
Remote in USA
Remote
 Finance & Banking (1) |
|---|
- This role expects 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
- 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 small and medium business credit: cash flow seasonality, owner-business financial entanglement, and the limits of bureau data for thin-file entities
- 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 Legal & Compliance 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 subject matter expert on credit card analytics — establishing standards for how the portfolio is measured, reported, and interpreted as the book scales
Flex.one provides a digital business banking platform that lets companies earn interest on idle cash (up to 4%), manage expenses in real time, issue team cards, and send free domestic ACH and wire payments. It works by letting clients keep funds on the platform, which accrues interest, while offering real-time reporting, expense management, card issuance, and fee-free payments; revenue comes from service fees and interest on client cash. It differentiates itself by combining high-interest cash potential with a full set of banking tools in one platform, plus ongoing security audits and fraud protections. Its goal is to help businesses maximize cash utility and profitability by streamlining financial operations and providing cost-effective payments with added rewards, all supported by strong security.
Company Size
51-200
Company Stage
Series B
Total Funding
$423.2M
Headquarters
Miami, Florida
Founded
2020
Simplify's Take
What believers are saying
- $60M Series B from Portage Ventures funds scaling after quadrupling revenue and tripling $3B payments volume.
- $40M Maza acquisition adds 250,000 Spanish-speaking customers and 290% YoY growth engine.
- Atlar integration with Campfire ERP automates treasury, saving manual monitoring across dozens of accounts.
What critics are saying
- Maza integration fails within 6-12 months, destroying 250,000-customer base due to cultural friction.
- Ramp and Brex encroach on mid-market TAM with 10x scale and superior brand in 12-24 months.
- Atlar outages paralyze $3B payments workflow as Flex depends entirely on its treasury platform.
What makes Flex unique
- Flex delivers AI-native private banking unifying business and personal finances for high-net-worth owners.
- Owner Intelligence platform provides real-time insights, cash flow projections, and business health scores.
- Vertically integrated AI underwriting enables precise risk pricing and Net-60 Credit Card float.
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People at Flex who can refer or advise you
Benefits
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Growth & Insights and Company News
6 month growth
↑ 2%1 year growth
↑ 8%2 year growth
↑ 0%Flex chooses Atlar for AI-Native treasury management. US-based Flex, the financial platform for business owners, has selected Atlar for AI-powered cash management and payments, with a native integration to its ERP, Campfire. Flex is one of the fastest-growing financial platforms in the US. Headquartered in San Francisco, the company is building an AI-Native Private Bank for Business Owners - unifying the entire lifecycle of money for business owners, spanning private credit, business banking, expense management, payments, and personal finance. Flex has raised over $100 million in total equity funding, including a recent $60 million Series B, and has grown revenue 4x year-over-year. The company joins a growing number of US-based companies selecting Atlar, as the platform expands across the Atlantic. A challenge shaped by speed and complexity. Operating a financial platform at Flex's scale means the finance team needs to know exactly where cash is at all times. With a business model that requires constant cash positioning, the team was spending significant time each day manually monitoring balances across dozens of banking and payment accounts with no unified view. Compliance added another layer of complexity: all payments required at least two levels of approval, but not all of the team's bank portals supported this, leaving gaps that had to be managed manually. Why Flex chose Atlar. Flex selected Atlar to bring all of these accounts into a single view with the controls the team needed, including a native integration with Flex's ERP, Campfire. "We needed a treasury platform that could keep up with the pace we operate at. Atlar gives us a consolidated view across all of our accounts and the real-time visibility we were missing." - Brian Ehrlich, Senior Director of Finance and Accounting at Flex. "Having real-time visibility, automated reconciliation, proper approval workflows, and a full audit trail in one place means less time on manual checks and more time on the work that moves the needle." - Jacob Martin, Controller at Flex. Atlar is proud to welcome Flex to Atlar, and excited to support the team as they scale. Get started. Want to learn more about Atlar? Book a demo or get in touch. Atlar'd be happy to show you why fast-scaling companies like Flex choose Atlar. Louis Emmerson Get new insights and guides in your inbox, monthly You can unsubscribe anytime. Most recent. March 2, 2026 Why Your NetSuite Setup Is Incomplete Without Bank Connectivity Most companies automate accounting in NetSuite but still move cash manually. Connecting your banks to your ERP closes that gap. February 11, 2026 Introducing AI Agents for Treasury Atlar is launching AI agents for treasury: autonomous workflows for cash positioning, payments, reconciliation, and forecasting, built on the full breadth of your financial data. Bank Connectivity February 10, 2026 Bank Account Management in Atlar: FBAR Reporting and Signatory Tracking Atlar now includes FBAR reporting and signatory tracking, built on the same bank connectivity that powers your cash management and payments. January 8, 2026 How AI Is Changing Bank Reconciliation AI-powered bank reconciliation is quickly replacing manual spreadsheet matching, shrinking month-end close from days to hours or minutes. Customer stories December 9, 2025 How Mangopay Unlocked €20M in Idle Cash and Achieved a 6.1x ROI With Atlar Atlar has given Mangopay a treasury foundation that matches the scale of its business: secure, efficient, and forward-looking. Read about their journey. Customer stories December 4, 2025 How Liberis Saved 1,600 Hours a Year and Turned Treasury Into a Strategic Advantage With Atlar Liberis wanted a treasury function that matched the scale and pace of its business. With Atlar, it gained efficiency and control to support its next phase of growth.
Flex raises $60M Series B to scale its AI-native private bank for high-net-worth business owners.
Flex raises $60M Series B equity round to scale its AI native "private bank" for high-net-worth business owners. Flex raises $60M Series B equity round to scale its AI native "private bank" for high-net-worth business owners discover more chai edtech tea drinks drink beverage crowdfunding masala chai crypto cardamom flex raises $60M Series B equity round to scale its AI native "private bank" for high-net-worth business owners. Flex has closed a $60 million Series B equity round led by Portage Ventures, bringing total equity raised to $105 million. In the last year, the company has quadrupled revenue and tripled its payments volume to $3 billion. as it scales its all-in-one business and personal finance platform for high-net-worth middle-market business owners. San Francisco, Dec. 04, 2025 (GLOBE NEWSWIRE) - Running a profitable middle-market business has become one of the most complex financial jobs in America, with owners often juggling more than ten disconnected systems to manage their money. Flex was created to give these high net worth owners a single place to run both their business and personal finances.
Flex has raised $15 million in Series A funding to enhance its platform that allows online retailers to accept HSA and FSA payments, as reported exclusively by CEO Sam O'Keefe to Axios.
Flex, a startup providing personal finance software for business owners, has acquired Maza, a finance app for Spanish-speaking consumers in the U.S., for $40 million. This acquisition highlights the growing trend of mergers and acquisitions in the fintech sector.