Credit Risk Strategist, Risk Foundations

About the Role

As part of the Risk Foundations team, the Credit Risk Strategist will be at the forefront of identifying, measuring, and controlling end-to-end risks, including credit and fraud, across the user lifecycle. This involves leveraging data analysis and modeling to inform strategic decisions, collaborating with cross-functional teams to implement risk management solutions, and continuously monitoring and refining these systems to ensure they remain effective and adaptive to emerging risks.

The day-to-day activities of the Credit Risk Strategist will be dynamic, reflecting the evolving landscape of digital payments and the diverse needs of Stripe's global customer base. From developing and refining risk models to working with product teams to integrate risk considerations into product development, this role demands a unique blend of analytical skill, strategic vision, and collaborative spirit.

What You Will Do

• Develop scalable methods to identify, measure, and control end-to-end risks across the user lifecycle.
• Proactively identify risk management opportunities and outline strategies to mitigate these risks.
• Translate complex risk requirements into technical specifications, working closely with engineering teams to implement these solutions.
• Collaborate with Data Science teams to develop and refine risk models and detection systems.
• Work with Product teams to integrate risk considerations into product development and ensure seamless user experiences.
• Develop strong internal relationships across partner teams, including Data Science, Product, Engineering, Treasury, Sales, Operations, and Finance.
• Challenge the payments industry status quo to enable innovative businesses to flourish online.
• Stay abreast of industry trends, regulatory changes, and emerging risks, adapting risk strategies as necessary.
• Develop and maintain detailed documentation of risk management processes and systems.
• Participate in cross-functional projects to drive business growth while managing risk.

What We Are Looking For

• 5+ years of relevant experience in financial risk modeling or a related field.
• A builder's mindset with a willingness to question assumptions and conventional wisdom.
• Strong data analysis and modeling skills, with the ability to frame business decisions and trade-offs effectively through quantitative analysis and visualization.
• Ability to work effectively across teams, building strong working relationships to successfully execute on shared deliverables.
• Decisive, yet open to learning, with the ability to make critical decisions impacting large numbers of merchants and quickly learn and iterate from these experiences.
• Understanding and empathetic to the challenges of setting up a new business, with the ability to balance scaled enforcement decisions with user experience.
• Enthusiastic, hands-on mentality with experience working in fast-paced, dynamic environments.
• SQL skills are required, with proficiency in other data analysis tools a plus.
• Bachelor's degree in Economics, Statistics, Computer Science, Engineering, or another quantitative or related field.

Nice to Have

• Experience in the payments or fintech industry, with a deep understanding of payment risks and regulatory requirements.
• Familiarity with machine learning models and their application in risk management.
• Knowledge of cloud-based data platforms and experience working with large datasets.
• Certification in risk management or a related field, such as FRM or CFA.

Benefits and Perks

• Competitive salary and equity package.
• Comprehensive health insurance, including medical, dental, and vision.
• Generous PTO policy, including vacation days, sick leave, and holidays.
• Remote work stipend to support your home office setup.
• Professional development opportunities, including training, workshops, and conference sponsorships.
• Access to cutting-edge technologies and tools.
• Collaborative, dynamic work environment with a team of talented professionals.
• Opportunity to work on high-impact projects that drive business growth and innovation.

• Tailor your application: Ensure your resume and cover letter are tailored to the specific requirements of the Credit Risk Strategist role, highlighting relevant experience and skills.
• Prepare to talk about risk: Be ready to discuss your approach to risk management, including how you identify, measure, and mitigate risks in a fast-paced, dynamic environment.
• Showcase your analytical skills: Come prepared with examples of how you've used data analysis and modeling to inform strategic decisions, and be ready to walk through your thought process.
• Highlight your collaboration experience: Emphasize your ability to work effectively across teams, including examples of successful cross-functional projects you've led or been a part of.
• Stay up-to-date on industry trends: Familiarize yourself with the latest developments in digital payments and risk management to demonstrate your enthusiasm and commitment to the field.
• Practice your storytelling: Prepare to tell compelling stories about your professional experiences, focusing on the impact of your work and what you learned from your successes and challenges.
• Be ready to ask questions: Come with a list of thoughtful questions to ask the interviewer, demonstrating your interest in the company, the role, and the future of risk management at Stripe.