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Senior Software Engineer, Risk Engineering

Flex

Role overview

Qualifications

  • 6+ years of professional software development experience.
  • 5+ years of hands-on Java experience, proficient with Spring (core/web/boot), Gradle, JUnit, and JVM performance tuning.
  • Experience in risk engineering, specializing in rules engine architecture or risk/credit/fraud systems, and implementing risk policies in production services.
  • Experience with AWS (EKS, Aurora RDS, Elasticache, DynamoDB) and containerization.

Responsibilities

  • Build rules engine and machine learning solutions to respond to and mitigate business risks in Flex.
  • Design and develop 24/7 high-scale APIs and distributed systems on AWS using Java and Spring Boot.
  • Collaborate with product, design, and engineering peers to launch new features across web and mobile platforms.

About the company

Flex logo

Flex

Buy Now Pay Later (BNPL) & Consumer Credit

Flex is a simple app that’s changing the way the world pays and collects rent. Our technology makes the 1st of the month easy for renters and properties. For renters, we pay the rent on the 1st and let you pay it back when it works better for your budget. We help you buy some time (or whatever else you’re eyeing). For properties, we help you collect more and stress less. And we do the previously impossible by turning rent collection into a marketable amenity. WHAT WE STAND FOR •We believe you should be able to choose when you pay your bills. The flexibility of buy-now-pay-later has forever changed the way the world makes purchases. We believe the same flexibility should be available for one of life’s #1 expenses: rent. •We believe in the win-win. We like helping people keep commitments. With our technology, properties get the rent and renters get the time. The future is flexible. •We believe in the end of rent regret. Sharing human spaces used to be easier. But then payment came into the picture and rent regret was born. The worst part of rent regret is that it separates us from each other. We’re committed to solving rent regret forever.

Company details

Company typeScaleup
IndustryBuy Now Pay Later (BNPL) & Consumer Credit
Company size201 - 500

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Job description

Flex is a growth-stage, NYC headquartered FinTech company that is creating the best rent payment experience. It’s hard to believe that it’s 2026 and paying rent on time is expensive, inflexible, and difficult. We’re here to change that! Flex enables our users to pay rent throughout the month on a schedule that better fits their finances and budget. Our mission is to empower as many renters as possible with flexibility over their most significant recurring expense. After deliberately keeping a stealth profile as we built up unprecedented investor support and an enthusiastic user base, we are looking for motivated individuals to help us keep our mission growing. Will you be a part of the team?

About the role

Flex is looking for a Senior Software Engineer to join our Risk Platform team. This role involves spearheading the implementation of platforms and APIs crucial for supporting business features within the risk management domain.

The Risk Platform team is dedicated to mitigating both credit risk and fraud risk. Our mission is to enhance Flex app accessibility for customers while safeguarding against improper use and unauthorized access by identifying and preventing misuse across all core product areas.

Following are some projects/systems in Risk Platform you will have opportunities to work with:

  • Core rules engine which is an end-to-end solution for the enterprise decision management lifecycle, including business rule management, analytics, process management, and ML/AI.
  • Event data stream ingestion which supports near real-time fraud rules setup. 
  • Advanced a/b testing and experimentation capabilities for our customers so they can leverage greedy algorithms and fight fraud. 

What you’ll do

  • Build rules engine / machine learning solutions to respond to/mitigate business risks in Flex.
  • Design and develop 24/7 high-scale APIs and distributed systems. The tech stack will be on AWS. Java would be the language for the existing code base. Java Spring Boot will be the framework. 
  • Work closely with product, design, and engineering peers to launch new features across our web and mobile platforms 

Qualifications

Minimum Qualifications

  • Must-have: Experience working in a risk engineering team, specializing in rules engine architecture or risk/credit/fraud systems.
  • Must-have: Experience implementing risk policies in a rules engine or production services.
  • 6+ years of professional software development experience.
  • 5+ years of hands-on Java experience.
  • Proficient in Java frameworks and tools used at Flex, including Spring (core/web/boot), Gradle, JUnit, and JVM (memory/performance tuning, GC).
  • Experience with Service-Oriented Architecture, REST APIs, Message Queues, and scalable architectures.
  • Experience with AWS (EKS, Aurora RDS, Elasticache, DynamoDB) and containerization tools.

Preferred Qualifications

  • Proficient in CI/CD systems (preferably GitHub Actions), git, and automation.
  • Skilled in observability and monitoring tools, such as DataDog, to ensure high availability.
  • Experienced with big data platforms and tooling, including Snowflake.
  • Proficient in Infrastructure as Code, using tools like CDK and Terraform.
  • Skilled at elevating team standards through best practices, and mentoring junior engineers.
  • Excellent written and verbal communicator, with experience in cross-functional collaboration.
  • Tier A (NYC/SF): $172,000—$215,000 USD
  • Tier B: $154,800—$193,500 USD
  • Tier C: $146,200—$182,750 USD

#LI-Remote

Life at Flex:

We understand that it takes a diverse team of highly intelligent, curious, determined, empathetic, and self aware people to grow a successful company. Our HQ is located in New York City, but we have employees located throughout the US, Australia, Canada and South America. We are growing quickly, but deliberately, with a focus on building an inclusive culture. Our dynamic team has incredible perspectives to share, just as we know you do, and we take great pride in being an equal opportunity workplace.

We offer many employee benefits & perks. For full-time U.S based positions we offer:

  • Competitive medical, dental, and vision available from Day 1
  • Company equity
  • 401(k) plan with company match (our company match kicks off at the beginning of 2026)
  • Unlimited paid time off + 13 company paid holidays
  • Parental leave 
  • Flex Cares Program
  • Free Flex subscription

 For full time non-US employees, we offer

  • Competitive compensation + company equity
  • Unlimited PTO

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MR

Marcus Rivera

Chief Revenue Officer

m.rivera@company.com
linkedin.com/in/marcusrivera
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