Risk Data Scientist

Job Title: Risk Data Scientist

Location: Downtown Boston, MA

Employment Type: Exempt Full Time – 5 days in office - 50 hours

Compensation: $112,000 - $155,000 Full Benefit Package Day One

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time.

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.

About The Role

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.

What You’ll Do

Risk Modeling & Model Development with AI

• 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
  
  

Model Platform & Vendor Integration

• 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
  
  

What We’re Looking For

Required

• 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
  
  

Nice to Have

• 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
  
  

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.
• Weekly Pay
• And other amazing perks!
  
  

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.

Share

Apply for this position

Required*

First Name*

Last Name*

Email Address*

Phone*

Address

Resume*

We've received your resume. Click here to update it.

Attach resume or Paste resume

Attach resume as .pdf, .doc, .docx, .odt, .txt, or .rtf (limit 5MB) or Paste resume

Paste your resume here or Attach resume file

Do you have a valid driver's license?* No answerYesNo

What's your citizenship / employment eligibility?* No answerI am a U.S. Citizen/Permanent ResidentNon-citizen allowed to work for any employerNon-citizen allowed to work for current employerNon-citizen seeking work authorizationI am a Canadian Citizen/Permanent ResidentOther

Are you 18 years of age or older?* No answerYesNo

The following questions are entirely optional.

To comply with government Equal Employment Opportunity and/or Affirmative Action reporting regulations, we are requesting (but NOT requiring) that you enter this personal data. This information will not be used in connection with any employment decisions, and will be used solely as permitted by state and federal law. Your voluntary cooperation would be appreciated. Learn more.

GenderDecline to answerFemaleMale

Race/EthnicityDecline to answerHispanic or LatinoWhite, not Hispanic or LatinoBlack or African-American, not Hispanic or LatinoAsian, not Hispanic or LatinoNative Hawaiian or Other Pacific Islander, not Hispanic or LatinoAmerican Indian or Alaskan Native, not Hispanic or LatinoTwo or More Races, not Hispanic or LatinoMENA (Middle Eastern and North African)

Submit Application