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?
As a Senior Staff Decision Scientist on the Risk team, you will own the strategy, design, and optimization of Flex's fraud and account-security decisioning stack. You'll set policy across the customer lifecycle — onboarding, identity, transaction, and account takeover — balancing fraud loss, customer experience, and growth across millions of transactions.
This is a senior individual-contributor role. You will be the policy voice in the room, setting direction for how Flex detects and prevents fraud, and working across Risk, Product, Engineering, Compliance, and Data to ship and measure that policy in production.
What You'll Do- Own and evolve Flex's fraud-prevention and account-security policy across onboarding, identity/KYC, payments, and account-takeover surfaces
- Design, ship, and tune detection rules and decisioning logic in the risk decision engine — from signal definition to live rollout
- Use large-scale transaction, identity, and behavioral data to identify emerging fraud patterns and quantify their loss impact
- Build models and forecasts to size the fraud/loss and customer-experience tradeoffs of every policy change before it ships
- Design shadow tests and experiments, and measure the tradeoff between fraud loss, false-positive friction, and approval/growth
- Set the fraud-loss and dispute/chargeback strategy, and define what "good" looks like across the detection portfolio
- Define the metrics, monitoring, and dashboards that keep fraud performance observable and catch regressions early
- Partner closely with Product, Engineering, Compliance, and Operations to take policy from analysis to production impact
- Communicate clear, actionable recommendations — and the risk tradeoffs behind them — to leadership and stakeholders
- 8+ years in fraud, risk, decision science, or platform analytics, with deep experience owning fraud or risk policy end-to-end
- Strong hands-on skills in Python and SQL, and comfort working with large, messy transactional datasets
- Experience with fraud and risk concepts — rule/policy design, loss modeling, cohort analysis, and precision/recall tradeoffs
- Track record building or operating detection systems on high-scale transactional platforms (payments, lending, marketplaces)
- Fluency with fraud signals and typologies: identity/KYC, account takeover, first-party fraud, payment fraud, and disputes/chargebacks
- Strong product and business intuition — you care about shipping impact and reducing loss, not just analysis
- Comfortable operating cross-functionally and owning ambiguous, high-leverage problem spaces
- Background in fintech, payments, or large tech platforms is a strong plus
Flex takes a market-based approach to pay, and compensation may vary depending on your primary work location. Work locations are categorized into one of three tiers based on a cost of labor index for that geographic area. The successful candidate’s starting pay will be commensurate with their experience, qualifications, and Flex’s internal leveling guidelines and benchmarks.
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
- 10+ years of experience in payments, risk, credit, decision science, or platform analytics
- Strong hands-on skills in Python and SQL
- Experience working on high-scale transactional systems
- Familiarity with authorization optimization and loss modeling
- Strong product and business intuition
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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