Credit Risk Analyst (North American Underwriter)

Requirements

• 3+ years of relevant experience with knowledge of commercial credit underwriting, financial risk modeling, and cash flow forecasting,
• Bachelor’s degree in Finance, Economics, Statistics, or other related fields,
• Strong knowledge of accounting principles and comfort evaluating financial statements and business models across a range of industries,
• Ability to transform business and financial data into cohesive narratives that outline potential credit risks and present dynamic mitigation strategies,
• Strong written, verbal, and analytical skills,
• Attention to detail while managing priorities in a fast-paced environment,
• Ability to comfortably interact with the CFOs and CEOs of our top merchants,
• Deep empathy for entrepreneurs running a business, and are motivated to solve problems to empower them,
• (Desirable) Strong technical expertise, including demonstrated experience with SQL,
• (Desirable) Strong data visualization skills and a passion for data and analysis,
• (Desirable) Experience working in tech, or other fast-paced, high-growth environments

What the job involves

• The Credit team protects Stripe by managing the end-to-end risk of our largest and most complex users,
• We leverage deep underwriting expertise and data-driven stress heuristics to make informed decisions at every stage of the user lifecycle—from onboarding to loss recovery,
• Our goal is to enable Stripe’s growth by making confident, calibrated decisions on our highest-exposure users,
• Stripe handles billions of dollars every year for businesses around the world, and the Risk team plays a critical role in the company’s financial and partnership success,
• As a Credit Analyst Underwriter on the North America Strategy Risk team, you will underwrite and manage a portfolio of our largest and fastest growing businesses in order to facilitate Stripe’s growth objectives while minimizing Stripe’s credit risk,
• This is a high impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance,
• Work directly with our top merchants, from successful venture-backed startups to well established institutions, to evaluate their business models and financial statements,
• Provide tailored credit risk recommendations that mitigate Stripe’s exposure, while facilitating partner company growth,
• Help manage the portfolio by developing a deep understanding of risk across industries, geographies, and operating models,
• Deliver insights to support senior management decisions, ranging from onboarding strategies to merchant pricing analysis,
• Support the refinement of tools and processes to help the team deliver on key performance indicators, such as credit loss targets or portfolio coverage metrics,
• Work with internal and external partners to support merchants around the world