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 2024 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?

About the role 

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. We are seeking a credit bureau reporting and analytics manager to oversee Flex’s credit reporting and rental reporting programs, and to conduct ongoing monitoring and ad-hoc analysis of the credit decisions across the customer lifecycle. The ideal candidate brings subject matter expertise while using first principle thinking to translate their experience to fit Flex’s innovative credit products. The ideal candidate is also passionate about using analytical techniques to identify opportunities to reduce losses while ensuring Flex maintains its growth trajectory. If you enjoy working at a fast growing startup and thrive on expanding responsibilities and consumer impact, you’ll find yourself surrounded by like-minded individuals. This role will report into the Head of Credit Risk.

 

Responsibilities 

  • Develop credit bureau reporting, data furnishing, and dispute management policies and ensure they are compliant with applicable FCRA, CFPB, and CDIA guidelines.
  • Interface with regulators and credit bureaus for guidance and support regulatory audits / exams.
  • Uplevel the knowledge base on credit bureau reporting across the organization.
  • Collaborate with product, design, and marketing stakeholders to strengthen customers’ understanding of Flex’s credit bureau reporting programs.
  • Analyze reporting data to identify trends and issues. Proactively identify and prioritize necessary improvements to ensure the programs are operating as intended.
  • Build risk monitoring dashboards and perform ad-hoc analysis of the credit decisions while tracking loss performance against expectations. 
  • Analyze and evaluate potential new sources of data for incremental value in credit management strategies. 
  • Influence credit policy to improve portfolio profitability, customer experience, and consumer access to credit.

 

Qualifications 

  • 5+ years of experience working in the financial services industry.
  • 2+ years of experience working in a manager and credit bureau reporting policy owner capacity.
  • Experience working at an early- or growth-stage startup. 
  • Performed credit, business intelligence, financial, or risk management data-driven analyses
  • Has professional certification in credit bureau reporting, such as CRRG certification and FCRA certification.
  • SME in credit bureau reporting regulations, including FCRA and CFPB requirements.
  • Advanced Degree in a quantitative field (Statistics, Economics, Mathematics, Finance, etc)

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, 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 stock options
  • Unlimited paid time off with a PTO minimum + 13 company paid holidays
  • Parental leave 
  • Flex Cares Program: Non-profit company match + pet adoption coverage
  • Free Flex subscription

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