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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
*This position is not eligible for employer-sponsored work authorization. Applicants must be legally authorized to work in the United States without requiring current or future visa sponsorship, including H-1B, TN, or other employment-based sponsorship*
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.
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.
