Manager, Credit Risk

Flex is a growth-stage, NYC headquartered FinTech company that is creating the best rent payment experience. It’s hard to believe that it’s 2025 and paying rent on time is expensive, inflexible, and difficult. We’re here to change that! Flex enables our users to pay rent throughout the month on a schedule that better fits their finances and budget. Our mission is to empower as many renters as possible with flexibility over their most significant recurring expense. After deliberately keeping a stealth profile as we built up unprecedented investor support and an enthusiastic user base, we are looking for motivated individuals to help us keep our mission growing. Will you be a part of the team?

The Credit Risk Manager will advance underwriting and line assignment efficiency at Flex. The Credit Risk  team at Flex is responsible for identifying, establishing and maintaining key underwriting policies that impact Flex’s  product, brand, and customer experience. The ideal candidate is passionate about identifying opportunities to reduce losses while ensuring Flex maintains its growth trajectory. The Credit Risk Manager will also need to be in tune with customer friction points during underwriting, is comfortable working cross-functionally with teams to deliver results, and ensures underwriting and line assignment policies maximize customer life-time value.

What you’ll do

• Design  and launch new credit underwriting and line assignment policies
• Build risk monitoring dashboards and track performance against expectations. 
• Develop and optimize credit policy to improve profitability, customer experience, and consumer access to credit. Innovate on the existing framework to allow for high, continued scalability.
• Create and present analysis to key stakeholders and leadership. Identify underlying reasons for variance from expectations, understand changes in portfolio performance, and evaluate loss and profitability impact. 
• Analyze and evaluate potential new sources of data for incremental value in credit management strategies. 
• Work closely with the data science team in improving credit risk decisions using cutting-edge credit underwriting models. 
• This role will be in our NYC Office as a Hybrid position requiring in office collaboration M,W,TH

Key qualifications

• Five (5) years of experience must include:
• Advanced Degree in a quantitative field (Statistics, Economics, Mathematics, Finance, etc)
• Utilizing analytical programming languages;
• Performing statistical analysis, econometrics, data management, modeling, or data analytics
• Developing of decision-making policies and rules or controls for risk management resulting in operational improvements, risk mitigation, and impact on financial risk;
• Developing and applying risk management tools to assess, identify, and evaluate risks, implement internal controls, and mitigate risk;
• Performing credit, business intelligence, financial, or risk management data-driven analyses;
• Collaborating with cross-functional teams, including but not limited to technology, marketing, compliance, and audit

For working locations in NY/NJ/CA, the base salary pay range will be $161,000-$175,000

Life at Flex:

We understand that it takes a diverse team of highly intelligent, curious, determined, empathetic, and self aware people to grow a successful company. Our HQ is located in New York City, but we have employees located throughout the US, Australia, Canada and South America. We are growing quickly, but deliberately, with a focus on building an inclusive culture. Our dynamic team has incredible perspectives to share, just as we know you do, and we take great pride in being an equal opportunity workplace.

We offer many employee benefits. For full time, U.S. based employees we offer:

• Competitive pay
• 100% company-paid medical, dental, and vision
• 401(k) + company equity
• Unlimited paid time off + 13 company paid holidays
• Parental leave 
• Flex Cares Program: Non-profit company match + pet adoption coverage
• Free Flex subscription

 For full time non-US employees, we offer