Risk Analyst

Flex

. Analyze new applicant data to support automated and manual credit decisioning .

Posted 9/23/2026full-timeRemote • United StatesMid-LevelSenior💰 $120,000 - $145,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in data analytics and credit analysis, with a strong focus on financial statement interpretation, risk modeling, and credit underwriting principles. Proficient in SQL, SAS, and Python or R for data analysis and automation in a fintech environment.

Highest-signal resume keywords

Data AnalyticsCredit AnalyticsSQLFinancial Statement InterpretationRisk Modeling

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Data AnalysisCredit Underwriting PrinciplesRisk-Adjusted ReturnsBehavioral SegmentationP&L AnalysisDelinquency Trend AnalysisPayment Consistency AnalysisCredit Utilization MonitoringFraud DetectionCustomer Lifetime Value Modeling

Soft Skills

Clear CommunicationInfluencing Stakeholders

Tools & Technologies

QuickBooksNetSuitePlaid

Industry Keywords

FintechCredit CardsSMB LendingCredit Bureau DataCommercial Credit Reports

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Analyze new applicant data to support automated and manual credit decisioning
Work with data from business financial statements, tax documents, and banking integrations such as QuickBooks, NetSuite, and Plaid
Use adjacent product usage data to evaluate risk profiles
Build dashboards or tools for real-time underwriting and fraud-detection indicators
Monitor post-origination account behavior, including spending, payment patterns, credit utilization, and engagement
Identify weakening creditworthiness using internal data and third-party credit reports
Analyze delinquency trends and payment consistency to refine risk models and collections strategies
Develop behavioral segments and performance cohorts for proactive account management
Support P&L analysis for the unsecured credit card product
Build models for customer lifetime value, profitability segmentation, and risk-adjusted returns
Identify loss drivers and opportunities for margin improvement

Requirements

What you’ll need

5+ years of experience in a data analytics or credit analytics role, preferably within fintech, credit cards, or SMB lending
Fluency in SQL / SAS and comfort with Python or R for exploratory data analysis and automation
Strong understanding of credit underwriting principles and SMB financial analysis
Experience interpreting business financials (P&L, balance sheet, tax returns) and cash flow data from banking sources
Familiarity with credit bureau data and commercial credit reports
Ability to communicate findings clearly and influence cross-functional stakeholders

Benefits

Comp & perks

Meaningful equity
Benefits (not further specified)