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