Risk Data Scientist

Flexcar is seeking a Risk Data Scientist to manage model-driven approaches to credit, accident, and fraud risk. We’re looking for someone who can own the full lifecycle of our risk modeling stack: building and calibrating models, managing the platforms they run on, and translating results into actionable recommendations. This is a hands-on individual contributor role. You’ll work closely with our Risk, Finance, Product, and Operations teams and have significant influence over how we balance growth against risk exposure. The models you build matter, and you’ll see their results in real performance data. Flexcar’s unique set of data provides an exciting arena to find signals in new and creative ways. The role spans modeling, platform management, and analytics, which means no two weeks look the same. If you want immediate impact and ownership across a full risk stack, this is the fit for you., * Build, refine, and maintain eligibility models and risk scoring frameworks used to make real-time application decisions using the latest AI tools

• Balance multiple initiatives at once, collaborating across the organization to rapidly solve problems through applied data science
• Own calibration and ongoing improvement of our Safe Driving Score and related behavioral risk models
• Lead feature selection, target variable development, and model validation
• Collaborate with stakeholders to set risk thresholds that balance growth with loss targets, * Manage our modeling environment and maintain our orchestration platform, where all risk models and decision workflows live
• Monitor data quality and technical integrations with data vendors across fraud, credit, debt, public records, and driving history, working with our Data Engineering and data pipelines are current and models are ingesting the right inputs
• Partner with engineering and vendor technical teams when API changes or new data sources require updates that would benefit our modeling strength

Monitoring & Analysis

• Monitor the performance of deployed risk frameworks against key metrics
• Identify drift, anomalies, or opportunities for improvement and bring forward clear recommendations
• Contribute to ad hoc analysis supporting risk strategy decisions

• Bachelor’s degree in Economics, Mathematics, Business or a related discipline preferred
• 3+ years of experience in a data science or quantitative modeling role with proven, quantifiable output
• Comfortable leaning in to AI-first solutions, with experience using the latest AI tools to drive results at a high velocity
• Strong Python and SQL skills; comfortable working with messy, real-world data
• Hands-on experience building and deploying predictive models in a production environment
• Ability to work independently and own outcomes, not just tasks, * Experience with AI data science platforms and orchestration platforms
• Experience with behavioral or telematics-based risk signals is a strong plus.
• Familiarity with third-party data vendors used in risk decisioning (bureau data, identity verification, motor vehicle records, etc.)
• Experience in a startup or high-growth environment where the work is broad and the tooling is still evolving

Pulled from the full job description

• Health insurance
• 401(k) matching
• Paid time off
• Employee discount
• Vision insurance
• Dental insurance
• Benefits from day one, * 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.
• Weekly Pay
• And other amazing perks!

At Flexcar, our mission is to make car ownership flexible, affordable, and enjoyable for everyone. We’ve created a month-to-month option that is more affordable than buying and more flexible than leasing. Our members are saving money and choosing a model that fits how real life actually works. Building a better model of car ownership takes more than technology. It takes people who value clarity, fairness, and real human experience.