Risk Analytics Specialist

Flexcar•Boston, MA

5d•$90,000 - $104,000•Onsite

About The Position

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 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: Product Operations — Metrics ownership, feature evaluation, business case development Data Science — Predictive modeling, statistical rigor, hypothesis testing 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.

Requirements

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

Nice To Haves

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)

Responsibilities

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.

Benefits

Full Benefits (day one )
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
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.