Full-Time

Senior Software Engineer

Risk Engineering, Backend

Posted on 9/23/2025

Flex

Flex

501-1,000 employees

Fintech rent payments with flexible credit

Compensation Overview

$177k - $213k/yr

Remote in USA

Remote

Category
Software Engineering (1)
Required Skills
Kubernetes
Dynamodb
JUnit
Machine Learning
Java
Gradle
Docker
AWS
REST APIs
Spring
Requirements
  • Must-have: Experience working in a risk engineering team, specializing in rules engine architecture or risk/credit/fraud systems.
  • Must-have: Experience implementing risk policies in a rules engine or production services.
  • 6+ years of professional software development experience.
  • 5+ years of hands-on Java experience.
  • Proficient in Java frameworks and tools used at Flex, including Spring (core/web/boot), Gradle, JUnit, and JVM (memory/performance tuning, GC).
  • Experience with Service-Oriented Architecture, REST APIs, Message Queues, and scalable architectures.
  • Experience with AWS (EKS, Aurora RDS, Elasticache, DynamoDB) and containerization tools.
Responsibilities
  • Build rules engine / machine learning solutions to respond to/mitigate business risks in Flex.
  • Design and develop 24/7 high-scale APIs and distributed systems. The tech stack will be on AWS. Java would be the language for the existing code base. Java Spring Boot will be the framework.
  • Work closely with product, design, and engineering peers to launch new features across our web and mobile platforms.
Desired Qualifications
  • Proficient in CI/CD systems (preferably GitHub Actions), git, and automation.
  • Skilled in observability and monitoring tools, such as DataDog, to ensure high availability.
  • Experienced with big data platforms and tooling, including Snowflake.
  • Proficient in Infrastructure as Code, using tools like CDK and Terraform.
  • Skilled at elevating team standards through best practices, and mentoring junior engineers.
  • Excellent written and verbal communicator, with experience in cross-functional collaboration.

Flex is a fintech that helps people with irregular income or cash-flow issues by offering a flexible line of credit for rent. It pays the user’s rent in full to the landlord when due, and the user repays Flex in two installments at their convenience. The service is accessed through a user-friendly app and funded by recurring fees: a $14.99 monthly membership and a bill-payment fee. Unlike traditional lenders, Flex focuses specifically on rent payments to stabilize both tenants and landlords, enabling renters to align payments with their income flow. The company differentiates itself by combining a rent-focused line of credit with a simple two-part repayment model rather than a standard one-time loan. Its goal is to improve personal cash flow management for tenants while ensuring landlords receive timely rent payments.

Company Size

501-1,000

Company Stage

Series C

Total Funding

$225.1M

Headquarters

New York City, New York

Founded

2019

Simplify Jobs

Simplify's Take

What believers are saying

  • Flex quadrupled revenue post-$60M Series B, growing payments to $3B annualized.
  • Hope+Door pilot delivered $140K aid to 75 families, cutting processing to 72 hours.
  • RealPage August 2024 integration taps 93% renter demand for flexible schedules.

What critics are saying

  • Best Egg undercuts Flex pricing via Yardi's RentCafe, stealing market share.
  • Flex.one AI platform confuses brand searches, spiking customer acquisition costs.
  • NY DFS probes Flex credit model, imposing fines like 2025 fintech precedents.

What makes Flex unique

  • Flex splits rent into two payments, paying landlords fully on time.
  • Flex serves renters with irregular income via app-based credit lines.
  • Flex partners with RealPage and Yardi for seamless property manager integrations.

Help us improve and share your feedback! Did you find this helpful?

Benefits

Health Insurance

Dental Insurance

Vision Insurance

401(k) Retirement Plan

401(k) Company Match

Unlimited Paid Time Off

Paid Holidays

Parental Leave

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

1%

2 year growth

1%
Liv Avenida
Mar 2nd, 2026
Experience Next-Level Apartment Living with Exclusive Resident Perks

Experience next-level apartment living with exclusive resident perks. At Liv Avenida, luxury apartment living goes beyond beautiful interiors and resort-style amenities. This March, Livavenida is highlighting the exclusive partnerships that make life in its modern apartment community even more convenient, connected, and lifestyle-focused. Through its partnerships with Flex, Zark, and Homebody, residents enjoy enhanced flexibility, exclusive perks, and smart solutions designed for today's renters. Flexible Rent Payments with Flex Managing your finances should feel simple - not stressful. That's why Liv Avenida partners with Flex, giving residents more control over how and when they pay rent. Flexible rent payment options allow you to split your monthly rent into manageable payments, making budgeting easier and supporting financial wellness. For residents searching for luxury apartments with flexible rent options, Liv Avenida delivers both upscale living and practical convenience. Hit the Road with Zark Parking! One of the standout perks for Liv residents this March is its partnership with Zark - a smart, resident-first parking platform that takes the stress out of community parking. With the Zark app, you can easily find and reserve available parking spaces for yourself or guests, manage additional garage or storage rentals, and enjoy real-time updates and seamless reservations right from your phone or web browser. This flexible parking solution enhances everyday convenience and strengthens the overall community living experience. Insurance, Convenience, and More with Homebody Through its partnership with Homebody, Liv residents gain access to an all-in-one platform that simplifies everyday renting. Homebody lets you pay rent, schedule maintenance, book amenities, and manage insurance in one place - all from a mobile app. Beyond convenience, Homebody provides renters insurance to protect your personal belongings and offer liability coverage, giving you peace of mind in unexpected situations. Plus, renters can take advantage of optional protections like identity theft coverage, device and pet insurance, and rewards programs that enhance your apartment lifestyle. Smart, Connected, and Designed for You When you choose Liv Avenida, you're not just choosing a beautiful apartment - you're choosing a smart apartment community built around convenience and lifestyle enhancement. Combined with its 24/7 amenities, smoke-free environment, fitness classes with professional trainers, weekly community events, pet-friendly policies, and integrated smart home features, its partnerships with Flex, Zark, and Homebody set a new standard for modern apartment living. Ready to experience apartment living designed around you? Discover how Liv Avenida makes everyday life easier, smarter, and more flexible this March.

Flex
Feb 26th, 2026
Preventing Evictions Upstream: Flex and Hope+Door Pilot

Preventing evictions upstream: Flex and Hope+Door pilot. * Rebecca Schick * February 26, 2026 For millions of renters living paycheck to paycheck, one unexpected expense, a car repair, fewer hours at work, or a medical bill, is all it takes to fall behind on rent. When the financial shock happens, the risk of eviction rises fast. Eviction hurts everyone: renters, property owners, families, and communities. Prevention requires speed, trust, and coordination. That's why Flex group partnered with Hope+Door, a nonprofit committed to keeping families housed before an eviction is filed. Their mission and eligibility model are designed specifically to reach the vulnerable households, especially working parents with children under 18 facing a short-term financial shock. Each year, their team distributes hundreds of rent grants to families living across the United States through partnerships with fellow nonprofit organizations and property managers. Flex's platform processes billions in rental payments each month, and is uniquely positioned between the renter and the landlord. Together with Hope+Door, Flex group saw potential to leverage this technology to keep families housed. How Flex group worked together. For this pilot, Flex group combined Hope+Door's research-backed eligibility criteria with Flex's technology and payment infrastructure. Flex identified families showing early signs of financial strain and referred eligible households to Hope+Door. Further, the Flex platform eliminated the need for time-consuming landlord coordination, saving time and energy for applicants and Hope+Door staff. The Hope+Door team reviewed and approved applications within 48 hours. Once a rent grant was approved, Flex delivered funds directly to landlords within hours, avoiding mailing delays, late fees, and compounding stress for families. Flex group iterated on the workflow each month to be simple and coordinated: Hope+Door remained the trusted, renter-facing operator, while Flex powered the backend verification and grant distribution. What happened: faster relief, more families helped. In just three months, the pilot delivered $140,000 in emergency rental assistance to 75 families - more than doubling Hope+Door's typical grant volume. Flex's infrastructure slashed processing times, and dramatically increased reach and efficiency: * Increase in monthly applications (20 | 102) * Increase in grants distributed each month (4 | 25) * Decrease time to process applications and distribute funds (10 days | 72 hours) This is what tech-enabled philanthropy looks like in practice: more families supported, in less time, with the same mission-driven care. "My experience was a lifesaver. I wasn't sure how I would pay my rent on time after my car broke down and I stopped receiving child support. I was barely making ends meet for months. The grant allowed me to redirect funds and sleep easier knowing that we would not be homeless. I cannot tell you how appreciative I am." Recipient of Hope+Door rental assistance Reaching families most at risk of eviction. The pilot reached exactly who Hope+Door was designed to serve: vulnerable, working families. According to Eviction Lab 1, Black renters and households with children experience the highest eviction rates in the country. The data matched this reality: * 1 in 3 grants went to a single Black mother raising children * 7 in 10 recipients were women, most caring for one or two children * Two-thirds earned $20,000-$60,000/year, representing severely cost burdened families paying rent that is >50% of their monthly income * 8 in 10 were working full- or part-time when they fell behind on rent * Half were facing a job or income disruption, and another quarter a medical emergency These are families who appear stable on paper but are one unpredictable financial shock away from crisis. The pilot didn't just distribute funds quickly, but targeted assistance where it would have the greatest impact upstream. "This collaboration between Hope+Door and Flex proves that when the right tools meet the right heart, we can scale our impact across the country without losing the personal touch that is so essential to our work." Amy Krulik, Executive Director, Hope+Door Looking ahead. Flex group will scale this partnership with Hope+Door in 2026, while expanding its work with other nonprofits, property managers, and community partners. Together, Flex group aim to: * Power faster, more efficient rental assistance programs * Reduce the administrative burden on nonprofits and renters facing eviction * Measure long-term housing stability * Decrease the strain on downstream funding for homelessness prevention Flex group believe eviction prevention should be simple, fast, and rooted in dignity, which is why Flex is proud to partner with Hope+Door. Partnerships like this one show what's possible when technology supports, not replaces, the human relationships at the heart of housing stability. If you have any questions about this partnership, Flex group'd love to hear from you: [email protected]. Sources: [1] Eviction Lab. Who Is Evicted in America? Princeton University. evictionlab.org

Channel NewsAsia
Dec 4th, 2025
AI startup Flex raises $60M to offer finance tools for mid-sized businesses

Flex, an AI startup offering financial tools for mid-sized businesses, has raised $60 million in a Series B round led by Portage Ventures, valuing the company at around $500 million. The funding brings Flex's total equity raise to $105 million. The company targets "jumbo shrimps"—profitable businesses earning between $2 million and $100 million annually—which are often overlooked by traditional fintech platforms. Flex bundles private credit, business finance, personal finance and payment tools into a single solution, rather than focusing on specific tasks. Founder and CEO Zaid Rahman said the platform serves "a few hundred thousand jumbo shrimp business owners" who touch 40% of American payroll. The company ensures AI outputs are checked by financial experts to minimise inaccuracies, addressing concerns about real-world AI adoption.

Federal News Network
Oct 27th, 2025
Flex launches program to help federal employees and military members manage rent during shutdown

Flex launches program to help federal employees and military members manage rent during shutdown. Eligible federal employees, contractors, and active-duty military members affected by the shutdown can enroll in Flex's Federal Employee Relief Program. As the federal government shutdown continues, millions of federal employees, contractors and active-duty military members are again facing a familiar challenge: uncertainty about when their next paycheck will arrive. For many, this means making tough choice between covering rent, groceries, or other essentials, especially with persistent cost-of-living pressures nationwide. In response, Flex has launched the Federal Employee Relief Program, a limited-time initiative offering waived fees and flexible rent management tools to help impacted renters stay current and reduce financial strain. "Those impacted by this shutdown are public servants, contractors, and service members who keep our country running and safe every day," said Ryan Metcalf, vice president of public affairs at Flex. "Our goal is to help them maintain financial and housing stability. The shutdown is out of their control, and their rent shouldn't be." Supporting federal workers through uncertainty. The ongoing shutdown has left millions of federal workers either furloughed or working without pay. While back pay is typically authorized once the shutdown ends, the gap between paychecks can last for weeks, and rent still comes due on the first of the month. In a recent Flex Federal Employee and Military Member Impact Survey, 88 percent said they have missed or expect to miss a paycheck, and 43 percent said they could cover essential expenses for less than one week without pay. Nearly 98 percent said rent is their largest expense, and 42 percent reported low confidence in paying rent in November if the shutdown continues. More than half have deferred rent or other bills to stay afloat, and 58 percent expect to incur late fees or new debt. The average reported financial stress level was 7.6 out of 10. How Flex works. Flex is a rent payment platform that gives renters more control over when and how they pay rent each month. The company pays the full rent directly to the property and allows renters to repay Flex throughout the month, helping households manage cash flow and avoid late or missed payments. More than two million renters nationwide, including tens of thousands of federal employees and service members, already use Flex to manage rent on a schedule that works for them. For those facing pay disruptions, the Federal Employee Relief Program waives the membership fee for November. Active duty military members continue to have their Flex membership fees waived for as long as they serve. "Flex was built to help renters manage timing mismatches between income and expenses," Metcalf said. "That is exactly the kind of situation federal employees and contractors face during a shutdown." A perspective from the military community. Charlie J., a Flex user and active duty service member, said the platform helped his family stay financially stable while he was deployed. "Flex helped me stay on top of my rent while deployed and always kept me informed when rent was paid," he said. "The split payment option helps me budget better. I wish I'd found it sooner." How to apply. Federal employees, contractors, and active-duty military members affected by the shutdown can enroll at: https://getflex.sng.link/Dlizb/ords/n1fu Why it matters. The 2025 shutdown is now the longest since 2019. Rent is typically the largest expense most households face, consuming up to 50 percent of monthly income. Missing a payment can lead to late fees, damaged credit, and sometimes eviction. Even a short disruption can set families back for months. More than half of survey respondents said they have already missed or deferred at least one essential bill, and one in five have fallen behind on rent. These missed payments ripple outward, affecting property operations, payroll, and maintenance budgets. Stability for renters supports stability for housing providers and communities alike. By helping renters stay current, Flex's program supports individuals, families, and property operators. It is a practical solution in a moment of uncertainty and a demonstration of how private-sector innovation can strengthen community resilience. About Flex. Flex is a financial technology platform that helps renters align rent with their income, reducing financial strain and avoiding late fees and other penalties. The platform includes strong consumer protections: no late fees, no compounding interest, no loan stacking, and clear guardrails to promote responsible use. By splitting rent into smaller, manageable payments, Flex helps renters stay current while ensuring property owners are paid on time. Trusted by over two million renters and available in 8.2 million units nationwide, Flex has helped renters make more than $24 billion in on-time payments and avoid over $500 million in late fees. Flexible Finance, Inc. ("Flex") is a financial technology company, not a bank. All lines of credit, banking services, and payment transmissions are provided by Lead Bank, Member FDIC. An application and credit assessment are required for approval. Terms and conditions apply. Offer qualification does not guarantee Flex approval.

Flowell
Mar 31st, 2025
You Can Use HSA & FSA to Buy Flowell Compression Boots and Pants - Here's How

Flowell has partnered with Flex, a trusted HSA/FSA payment processor, to streamline your purchase:

INACTIVE