Senior Staff Decision Scientist, Risk

Responsibilities

• Own and evolve Flex’s payment decisioning and routing strategy across multiple PSPs
• Use data to increase authorization rates while reducing processing costs and losses
• Design and evaluate retry, failover, and fallback strategies to improve reliability and performance
• Analyze large-scale payment and risk data to identify product and platform improvements
• Build models and forecasts to understand the impact of policy and product changes
• Run experiments and measure tradeoffs between growth, risk, cost, and user experience
• Partner closely with Product, Engineering, Finance, and Operations to ship improvements to the payments platform
• Define metrics and dashboards to monitor performance and guide strategy
• Communicate clear, actionable recommendations to leadership and stakeholders

Requirements

• 10+ years of experience in payments, risk, credit, decision science, or platform analytics
• Strong hands-on skills in Python and SQL
• Experience working with large, messy datasets
• Experience working on high-scale transactional systems (payments, lending, marketplaces, fintech, or similar)
• Familiarity with authorization optimization, loss modeling, cohort/vintage analysis, or unit economics
• Strong product and business intuition
• Ability to operate cross-functionally and own ambiguous problem spaces

About the Company

Flex is a growth-stage FinTech company creating a better rent payment experience by enabling users to pay rent on a schedule that fits their finances and budget.