Credit Risk Analyst, North American Underwriter
WFA Digital Insight
The Credit Risk Analyst, North American Underwriter role at Stripe stands out due to its focus on managing the end-to-end risk of the company's largest and most complex users. As a critical member of the Credit team, this position requires a unique blend of underwriting expertise, data-driven decision-making, and strong cross-functional partnership. What makes this role particularly interesting is the opportunity to work directly with top merchants, evaluating their business models and financial statements to provide tailored credit risk recommendations. Candidates should be prepared to bring a deep understanding of accounting principles, financial risk modeling, and cash flow forecasting to the table, as well as excellent written, verbal, and analytical skills.
Job Description
Who we are
About Stripe
Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world's largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career.
About the team
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.
What you’ll do
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.
Responsibilities
- 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.
Who you are
We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement.
Minimum 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 motivation to solve problems to empower them
Preferred qualifications
- Strong technical expertise, including demonstrated experience with SQL
- Strong data visualization skills and a passion for data and analysis
- Experience working in tech or other fast-paced, high-growth environments
How to Stand Out
-tip: Make sure to highlight your experience with commercial credit underwriting, financial risk modeling, and cash flow forecasting in your application.
- tip: Be prepared to provide specific examples of times when you have successfully mitigated credit risk or developed strategies to minimize losses.
- tip: Showcase your ability to transform business and financial data into cohesive narratives that outline potential credit risks and present dynamic mitigation strategies.
- tip: Demonstrate your knowledge of accounting principles and comfort evaluating financial statements and business models across a range of industries.
- tip: Show your passion for data and analysis, and highlight any experience you have working with financial data and analytics tools, such as SQL and data visualization software.
- tip: Be prepared to discuss your experience working in a fast-paced environment and managing multiple priorities simultaneously.
- tip: Highlight your ability to work collaboratively with cross-functional teams, including Sales, Legal, Treasury, and Finance.
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