Portfolio Risk Analytics Lead

Job Description: Own end-to-end portfolio risk analytics for Flex's credit card book Analyze approval thresholds, bureau cutoff performance, and risk-tiered line sizing Incorporate existing Flex relationship data into credit decisioning and line management frameworks Monitor authorization patterns and spend velocity for credit quality Track minimum payment rates and utilization trends Maintain vintage curves and delinquency migration analysis Analyze loss emergence patterns by segment and cohort Build and maintain early warning frameworks for credit deterioration Synthesize data from multiple sources for portfolio health Lead periodic portfolio reviews and present findings to senior leadership Develop credit risk segmentation for precise limit management Partner cross-functionally with various teams to ensure risk visibility Contribute to stress testing and scenario analysis Requirements: 5–15 years of hands-on credit card risk analytics experience across consumer and small business Subject matter expertise in credit card metrics — vintage curves, roll rates, loss forecasting, utilization dynamics, payment hierarchy Proficient in SQL and Python or R, comfortable working with large datasets Understands the analytical demands of SMB credit: cash flow seasonality and owner-business financial entanglement Operates at a senior thinking level relative to peer cohort High quantitative aptitude with strong intuition. High-energy, end-to-end owner who thrives in dynamic environments Benefits: Equity in the company in addition to the Base Compensation.