{"id":1289792,"url":"https://alion.io/job/flex-risk-analyst","title":"Risk Analyst","company":{"id":1910712,"name":"Flex","domain":"flex.one","url":"https://alion.io/company/flex-one","size_band":"1-10","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Lever","truth_index":{"grade":"C","score":61,"open_postings":32,"ghost_share":0.656,"stale_share":0,"repost_share":0,"time_to_fill_p50_days":null,"computed_at":"2026-09-29T05:45:00Z"}},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":"full_time","work_mode":"remote","remote_scope":"stated_countries","remote_scope_basis":"posting_text","remote_working_hours":null,"hiring_geo_confidence":"structured","locations":[],"countries":[],"hiring_countries":["US"],"hiring_countries_total":1,"salary":{"min":120000,"max":145000,"currency":"USD","period":"year","gross":null,"usd_annual":145000},"salary_estimate":null,"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Python","optional":false},{"name":"QuickBooks","optional":false},{"name":"SAS","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-09-22T22:55:12Z","employer_posted_date":"2026-09-22","last_verified_at":"2026-09-29T23:30:06Z","board_verified":true,"closed_at":null,"days_open":7,"trust":{"level":"ok","repost_count":0,"flags":["company_stale"],"days_open":6},"description":"About the Role\nWe are seeking an energetic and intellectually curious Analytics professional with domain expertise in credit analytics and a strong grasp of financial data interpretation. The ideal candidate will be comfortable working with varied datasets to derive insights for both credit underwriting and ongoing portfolio management. This role will play a critical part in improving credit decisions, monitoring customer behavior, and informing risk management and product strategy.\nWhat You'll Do\nNew Account Evaluation\nAnalyze new applicant data to support automated and manual credit decisioning.\nWork with data extracted from business financial statements, tax documents, and banking integrations (e.g., Quickbooks, Netsuite, Plaid, etc).\nLeverage insights from adjacent product usage (e.g., business banking, payments platforms) to evaluate risk profiles.\nBuild dashboards or tools to surface real-time indicators for underwriting and fraud detection.\nExisting Account Management\nMonitor account-level behavior post-origination, including spend and payment patterns, credit utilization, and engagement.\nIdentify signs of weakening creditworthiness using internal data and third-party credit reports (e.g., Experian, D&B).\nTrack and analyze delinquency trends and payment consistency to refine risk models and collections strategies.\nDevelop behavioral segments and performance cohorts for proactive account management.\nCredit Product P&L Understanding\nSupport P&L analysis of the unsecured credit card product, including interchange income, interest revenue, rewards cost, and charge-off rates.\nBuild models to evaluate customer lifetime value, profitability segmentation, and risk-adjusted returns.\nAssist in identifying drivers of loss and opportunities for margin improvement.\nRequirements\n5+ years of experience in a data analytics or credit analytics role, preferably within fintech, credit cards, or SMB lending.\nFluency in SQL / SAS and comfort with Python or R for exploratory data analysis and automation.\nStrong understanding of credit underwriting principles and SMB financial analysis.\nExperience interpreting business financials (P&L, balance sheet, tax returns) and cash flow data from banking sources.\nFamiliarity with credit bureau data and commercial credit reports.\nAbility to communicate findings clearly and influence cross-functional stakeholders.","description_format":"text","description_chars":2378,"description_truncated":false,"requirements":{"experience_years_min":5,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[{"name":"United States","iso":"US","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Blockchain & Crypto","Financial Services","Cryptocurrencies"],"lifecycle":[{"event":"open","at":"2026-09-26T07:38:02Z"}],"liveness":{"score":60,"band":"ok","label":"Likely open","p_open":1,"p_active":0.602,"p_room":1,"age_days":6,"expected_fill_days":30,"reasons":["conf:2","stale_co","win:early"],"computed_at":"2026-09-29T05:45:00Z"},"pay":{"stated_usd_annual":145000,"is_top_pay":true},"html_url":"https://alion.io/job/flex-risk-analyst","json_url":"https://alion.io/job/flex-risk-analyst.json","meta":{"generated_at":"2026-09-30T00:56:18Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","usage":{"tier":"crawler","counted_by":"address","units_charged":1,"used_today":607,"day_limit":5000,"remaining_today":4393,"minute_limit":60,"resets_at":"2026-10-01T00:00:00Z"}}}