Risk Data Scientist

Flexcar is seeking a Risk Data Scientist to manage model-driven approaches to credit, accident, and fraud risk. The role owns the risk modeling lifecycle, including model development and calibration, platform and vendor integration, performance monitoring, and analysis to inform risk decisions.

Responsibilities

• Build, refine, and maintain eligibility models and risk scoring frameworks used to make real-time application decisions using the latest AI tools
• Balance multiple initiatives at once, collaborating across the organization to rapidly solve problems through applied data science
• Own calibration and ongoing improvement of our Safe Driving Score and related behavioral risk models
• Lead feature selection, target variable development, and model validation
• Collaborate with stakeholders to set risk thresholds that balance growth with loss targets
• Manage our modeling environment and maintain our orchestration platform, where all risk models and decision workflows live
• Monitor data quality and technical integrations with data vendors across fraud, credit, debt, public records, and driving history, working with our Data Engineering and data pipelines are current and models are ingesting the right inputs
• Partner with engineering and vendor technical teams when API changes or new data sources require updates that would benefit our modeling strength
• Monitor the performance of deployed risk frameworks against key metrics
• Identify drift, anomalies, or opportunities for improvement and bring forward clear recommendations
• Contribute to ad hoc analysis supporting risk strategy decisions

Skills

• Candidates must be authorized to work in the U.S
• Our ability to provide employment-based visa sponsorship is limited
• 3+ years of experience in a data science or quantitative modeling role with proven, quantifiable output
• Comfortable leaning in to AI-first solutions, with experience using the latest AI tools to drive results at a high velocity
• Strong Python and SQL skills; comfortable working with messy, real-world data
• Hands-on experience building and deploying predictive models in a production environment
• Ability to work independently and own outcomes, not just tasks
• Bachelor's degree in Economics, Mathematics, Business or a related discipline preferred
• Experience in AI data science platforms and orchestration platforms
• Experience with behavioral or telematics-based risk signals
• Familiarity with third-party data vendors used in risk decisioning (bureau data, identity verification, motor vehicle records, etc.)
• Experience in a startup or high-growth environment where the work is broad and the tooling is still evolving

Benefits

• Flexible PTO policy.
• 401(k) plan with company match from day one.
• Excellent, low-cost healthcare coverage including medical, dental, and vision, with eligibility day one.
• Discounted employee rate on Flexcar products and no annual membership fee.
• Weekly pay.

Company Overview

Company H1B Sponsorship