Senior Software Engineer, Risk Engineering Remote; U.S

Senior Software Engineer, Risk Engineering

Remote (U.S.)

Flex is a growth-stage, NYC headquartered Fin Tech company that is creating the best rent payment experience. It’s 2026 and paying rent on time is expensive, inflexible, and difficult. 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 renters with flexibility over their most significant recurring expense.

We are growing our team to advance this mission.

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

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

Projects/systems in Risk Platform you will work with
:

• Core rules engine: end-to-end solution for the enterprise decision management lifecycle, including business rule management, analytics, process management, and ML/AI.
• Event data stream ingestion: supports near real-time fraud rules setup.
• Advanced A/B testing and experimentation capabilities to help customers leverage algorithms and combat fraud.

• Build rules engine and machine learning solutions to respond to and mitigate business risks at Flex.
• Design and develop 24/7 high-scale APIs and distributed systems on AWS. Java is the language for the existing code base;
  Java Spring Boot is the framework.
• Collaborate with product, design, and engineering peers to launch new features across web and mobile platforms.

• Must-have: Experience 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, Dynamo
  
  DB) and containerization tools.

• Proficient in CI/CD systems (preferably Git Hub Actions), git, and automation.
• Skilled in observability and monitoring tools, such as Data Dog, to ensure high availability.
• Experience with big data platforms and tooling, including Snowflake.
• Proficient in Infrastructure as Code using CDK and Terraform.
• Mentoring and elevating team standards through best practices.
• Excellent written and verbal communication, with cross-functional collaboration experience.
• Tier A (NYC/SF): $172,000—$215,000 USD

We value a diverse, curious, and collaborative team. Our HQ is in New York City, with employees across the US, Australia, Canada, and South America. We are focused on building an inclusive culture and are an equal opportunity employer.

We offer many employee benefits & perks for full-time U.S.

-based positions:

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

For full-time non-U.S. employees, we offer:

• Competitive compensation plus company equity
• Unlimited PTO

For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion is voluntary. Information provided will be confidential and used solely for compliance reporting in accordance with applicable law. Our Equal Employment Opportunity policy ensures no discrimination.

Disability status is requested under applicable federal requirements. This information is used to measure the effectiveness of outreach and recruitment efforts. If you believe you belong to any protected categories, indicate accordingly. See the form for more details.

Voluntary Self-Identification of Disability:
Form CC-305. OMB Control Number . Expires 04/30/2026.

PUBLIC BURDEN STATEMENT:
According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB control number. This survey should take about 5 minutes to complete.