Risk Analytics Specialist

Job Title: Risk Analytics Specialist
Location: Onsite — Boston HQ
Employee Type: Full Time, Exempt — 50 hours/week
Compensation: $90,000 - $104,000* + Bonus + Full Benefits (day one )
Reports To: VP Risk

About Us
Join a dynamic startup pioneering a new category in the $90 billion automotive industry. Flexcar is the first and only zero-down, month-to-month car lease, currently active in four markets and expanding rapidly. We're redefining what car ownership means.
At Flexcar, we don't sell cars. We sell freedom.

• Freedom from car loans
• Freedom from used car salesmen, insurance agents, and car mechanics
• Freedom to cancel anytime
• Freedom to drive any car, anytime

Role Overview
In automotive financing, Risk management determines profitability, growth, and regulatory sustainability . Traditional risk teams become "blockers"; Flexcar reimagines Risk as a strategic growth partner through unified, data-driven decision-making.
This unique hybrid role combines three analytical perspectives in one position:

1. Product Operations — Metrics ownership, feature evaluation, business case development
2. Data Science — Predictive modeling, statistical rigor, hypothesis testing
3. Risk Management — Underwriting principles, loss pattern analysis, policy implications

You'll quantify growth-risk trade-offs, measure feature impact before scaling, bridge operational execution with statistical depth, and transform risk policies into data-driven strategy.

What You'll Do
Metrics Ownership & Monitoring (25%)
Own daily, weekly, monthly, and quarterly tracking acro
ss 8 Risk functions: approval rates, fraud detection, delinquency patterns, compliance metrics, and feature impact. Become the "source of truth" for Risk performance.
Predictive Modeling & Feature Evaluation (30%)
Build predictive models for credit risk scoring, fraud propensity, and claims forecasting. Evaluate features through structured business cases: hypothesis → analysis → recommendation → deployment → monitoring. Example: "Lowering credit threshold to 620 increases approvals 3%, defaults 1.2%, net positive per customer."
Data-Driven Policy Influence (20%)
Navigate competing stakeholder interests (Risk vs. Growth) through data credibility. Recommend policies backed by evidence. Success metric: >50% of recommendations adopted by leadership.
P&L Line Item Expertise (15%)
Conduct quarterly variance analysis connecting Risk metrics to financial impact. By Month 12, articulate how policy changes affect profitability and contribute to financial strategy discussions.
Experimentation & Infrastructure (10%)
Design valid experiments (A/B tests, cohort analysis, scenario testing). Maintain documentation, dashboards, and processes. Improve data infrastructure and analytical tooling.

Required Qualifications:

• Bachelor's degree in Statistics, Economics, Data Science, Computer Science, Mathematics, Finance, or Engineering
• 2-4 years in data analytics, product operations, data science, risk modeling, or related analytical role
• SQL: Intermediate-Advanced (joins, subqueries, window functions; complex query in 1-2 hours)
• BI Tools: Tableau, Looker, Sigma, Lovable, or Power BI (design dashboards, create compelling visualizations)
• Statistics: Understand statistical significance, confidence intervals, A/B test design, hypothesis testing, Model Performance Management
• Python or R: Write analytical scripts independently, understand library documentation, debug code
• Predictive Modeling: Linear/logistic regression, decision trees, random forests, time series forecasting

Soft Skills:

• Communication: Explain complex technical findings to non-technical stakeholders in accessible language
• Cross-Functional Collaboration: Navigate competing interests, build credibility across Risk, Product, Finance
• Influencing Without Authority: Recommend policies through evidence and data credibility, not position
• Business Acumen: Connect analytics to P&L implications, understand Flexcar business model
• Domain experience (FinTech/InsurTech/), cloud platforms (Snowflake/Sigma/Redash), Agile methodologies
• Pragmatism: Balance rigor with timeline pressure (80% accurate in 1 week beats perfect in 4 weeks)

What You'll Love About This Role
Supportive Leadership: Your leadership team is dedicated to ensuring you have resources and support to succeed. Dedicated mentorship: weekly (months 1-3) → bi-weekly (months 3-6) → monthly (months 6-12).
Strategic Influence: As a key influencer in Risk decisions, you'll drive meaningful change and directly impact company profitability and growth. Your recommendations will be adopted and scaled.
Hands-On Impact: See your analyses directly influence policy decisions affecting tens of thousands of customers and millions in company value.
Accelerated Learning: Work across data science, product operations, risk management, and business strategy simultaneously. Build rare hybrid expertise highly valued in job market.
Dynamic Environment: Enjoy the excitement of a growth-stage startup where each day presents new challenges, opportunities, and meaningful work with executive visibility.

What Tops Off the Tank  

• Rest & Relaxation: Flexible PTO policy .

• Future Savings: Benefit from a 401(k) plan with company match from day one.

• Benefits: Excellent, low-cost healthcare coverage including: medical, dental, vision, eligibility day one .

• Drive a Flexcar! Discounted employee rate on Flexcar products and no annual membership fee .

and other amazing perks!
 

First -Year Timeline & Success Metrics

Months 1-3: Foundation Phase
Learn Risk ecosystem, master data infrastructure, build stakeholder relationships, deliver 2-3 foundational analyses.
Decision: Month 3 evaluation — go/no-go on hire based on Foundation phase achievement
Months 3-6: Productivity Phase
Lead first feature evaluation, develop first predictive model, deliver 4-6 analyses, earn trusted analyst status.
Decision: Month 6 mid-year review — confirm productivity trajectory
Months 6-12: Strategic Impact Phase
Lead advanced modeling projects, deliver policy recommendations adopted by leadership, demonstrate P&L expertise, plan Year 2 career path.
Decision: Month 12 annual review — confirm role expansion and Year 2 path
Year 1 Quantitative Targets:

• 12-20 significant analyses completed
• 5-7 feature evaluations with documented business cases
• 3-5 predictive models developed, validated, and deployed
• Dashboard accuracy >95% maintained
• Stakeholder satisfaction ratings >4/5 average

* Actual compensation will vary depending on geographic location, job-related knowledge, skills, experience, and market conditions.
Disclaimer: This job description may not be inclusive of all assigned duties, responsibilities, or aspects of the job described, and may be amended at any time at the sole discretion of the Employer.
Flexcar is an Equal Opportunity Employer and prohibits discrimination and harassment of any kind. Flexcar provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.

Flexcar is an Equal Opportunity Employer and prohibits discrimination and harassment of any kind. Flexcar provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.