[Remote] Senior Staff, Decision Scientist, Risk

Note: The job is a remote job and is open to candidates in USA. Flex is a growth-stage FinTech company headquartered in NYC that is transforming the rent payment experience. As a Senior Staff Decision Scientist, you will lead the strategy and optimization of payment decisioning, working collaboratively across various teams to enhance platform economics and customer experience.

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

Skills

• 10+ years of experience in payments, risk, credit, decision science, or platform analytics
• Strong hands-on skills in Python and SQL and working with large, messy datasets
• Experience working on high-scale transactional systems (payments, lending, marketplaces, fintech, or similar)
• Familiarity with concepts like authorization optimization, loss modeling, cohort/vintage analysis, or unit economics
• Strong product and business intuition—you care about shipping impact, 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

Benefits

• Competitive pay
• 100% company-paid medical, dental, and vision
• 401(k) + company stock options
• Unlimited paid time off with a PTO minimum + 13 company paid holidays
• Parental leave
• Flex Cares Program: Non-profit company match + pet adoption coverage
• Free Flex subscription
• 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
• Relocation assistance program

Company Overview

Flex enables people to pay rent bills on a schedule that fits their personal finances. It was founded in 2019, and is headquartered in New York, New York, USA, with a workforce of 201-500 employees. Its website is https://getflex.com.

Company H1B Sponsorship

Flex has a track record of offering H1B sponsorships, with 1 in 2025, 1 in 2024. Please note that this does not guarantee sponsorship for this specific role.