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 2026 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
We are seeking an experienced Senior Staff Decision Scientist to join our Risk and Decision Science team. In this role, you will play a pivotal part in shaping the design of a new credit product, developing its risk policy and launch strategy, and proactively identifying the next opportunities to expand its scope. Your work will be central to managing financial risk, maximizing customer lifetime value (LTV), and driving long-term business growth.
What you’ll do
- Partner with the product, engineering and Legal & Compliance team to shape product strategy and define the 3–6 month risk roadmap for the domain.
- Define and implement risk policies and strategies to support the product's launch.
- Build scalable, product-level dashboards and pipelines to track product KPIs, risk exposure and loss trends that are reused across teams
- Leverage data-driven insights and experimentation to inform policy updates, drive continuous improvement to maximize customer LTV.
- Take full ownership of the product's unit economics — setting ambitious goals and identifying the pathway to sustainable, long-term growth.
Key qualifications
- 8+ years of relevant experience, including risk/credit strategy at a financial institution or Fintech.
- A graduate degree in Statistics, Mathematics, Computer Science, or a related quantitative field.
- Advanced proficiency in SQL and data visualization, with a track record of building scalable analytics and tooling that other teams reuse.
- Excellent problem-solving skills and effectiveness in communicating complex technical concepts to non-technical stakeholders.
- Subject-matter expertise across a large risk domain (e.g., existing-user credit risk or account takeover), with a strong sense of ownership and a track record of proactively expanding scope.
- Hands-on experience applying AI/LLM tools (e.g., Claude Code) to accelerate analytics — evaluating and adopting AI tooling for the team and building automations others reuse, with sound judgment on accuracy, bias, and compliance.
Flex takes a market-based approach to pay, ensuring compensation is commensurate with a candidate's experience and our internal leveling guidelines. For candidates located in our Tier 1 (NYC/Bay Area) markets, the base salary pay range for this role is below. Flex utilizes a geographic pay differential based on a cost of labor index. If you are located outside of the cities listed below, your starting pay will be adjusted to align with the market conditions of your specific geographic zone. Please speak with your recruiter for additional information regarding the specific range for your location.
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, Canada 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.
Offices
Roles posted in New York, San Francisco, and Salt Lake City are hybrid positions with on-site expectations of 2-3 days per week in our local offices. For candidates outside of these areas, you may be eligible for our relocation assistance program.
Benefits
For full-time U.S. employees we offer:
- Competitive medical, dental, and vision
- Company equity
- 401(k) plan with company match
- Unlimited paid time off + 13 company paid holidays
- Parental leave
- Free Flex subscription
For full-time non-U.S. employees, we offer:
- Competitive compensation + company equity
- Unlimited PTO
Skills Required
- 8+ years of relevant experience, including risk/credit strategy at a financial institution or FinTech.
- Graduate degree in Statistics, Mathematics, Computer Science, or a related quantitative field.
- Advanced proficiency in SQL and experience building scalable analytics and tooling reused across teams.
- Advanced proficiency in data visualization (building dashboards and pipelines to track KPIs, risk exposure, and loss trends).
- Excellent problem-solving skills and ability to communicate complex technical concepts to non-technical stakeholders.
- Subject-matter expertise across a large risk domain (e.g., existing-user credit risk or account takeover) with ownership and scope expansion track record.
- Hands-on experience applying AI/LLM tools (e.g., Claude Code) to accelerate analytics and build reusable automations, with judgment on accuracy, bias, and compliance.
Flex Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Flex and has not been reviewed or approved by Flex.
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Healthcare Strength — Day-1 medical, dental, and vision coverage is explicitly offered and framed as “best-in-class coverage and options,” suggesting strong baseline health benefits. Additional listings also describe broad health-support elements such as IVF/adoption and gender transition benefits, reinforcing depth in healthcare-related coverage.
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Retirement Support — A 401(k) is available, with a stated company match starting in early 2026, indicating improving retirement support. This rollout appears to address earlier gaps where matching was not consistently present.
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Leave & Time Off Breadth — Unlimited PTO plus company holidays (and, in some descriptions, shutdown days) indicates a wide time-off policy on paper. Hybrid work flexibility and office-day meal credits can add to the overall rewards value for NYC-based employees.
Flex Insights
What We Do
Flex, an NYC-headquartered FinTech company, has created a trusted 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! We enable our users to pay rent throughout the month on a schedule that better fits their finances and budget, while also helping them build credit. Our mission is to empower as many renters as possible with flexibility over their most significant recurring expense.
Why Work With Us
We believe it takes a diverse team of curious, determined, empathetic, and self aware people to grow a successful company. We value the unique and dynamic perspectives our team brings to solve critical problems that impact the lives of our users and the financial decisions they make.
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