Credit Risk Strategy and Analytics
WFA Digital Insight
The demand for skilled credit risk professionals grew significantly in recent years, with a 25% increase in job openings in 2025 alone. As the digital economy expands, companies like Stripe need experts who can navigate complex data sets to inform credit decisions. With the rise of fintech, professionals with strong analytical skills and experience in risk management are in high demand. Stripe, a leading financial infrastructure platform, is no exception. Before applying, candidates should be prepared to showcase their technical expertise, particularly in tools like Excel and Google Sheets, as well as their ability to work independently in a fast-paced environment.
Job Description
About the Role
The Credit Risk Strategy and Analytics position at Stripe is a critical role that involves developing and implementing credit policies to manage risk and drive business growth. As a key member of the Capital team, you will have the autonomy to manage end-to-end risk initiatives and collaborate with cross-functional teams to shape the future of Stripe's lending product. The team is composed of driven and analytical individuals who are passionate about using data to inform credit decisions.The Capital team is responsible for managing the end-to-end risk strategy for Stripe's lending product, partnering closely with engineering, data science, product, and servicing teams to leverage existing platforms and develop novel solutions. This role offers the opportunity to work with vast data assets and apply your analytical and technical skills to drive meaningful changes to the risk and underwriting framework.
What You Will Do
- Architect and implement credit policies based on Stripe's proprietary data and selected industry data to target, price, and size capital products.
- Utilize your analytical and technical skills to provide credit risk recommendations and deliver insights to support strategic business decisions.
- Collaborate with cross-functional teams, such as Product, Data Science, Engineering, and Capital Markets, to shape new product development across different geographies and industries.
- Incorporate third-party data, including bureau, bank account, financial statements, and less traditional data, into our credit assessment.
- Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses.
- Help scale risk processes by working with partners to design and optimize outsourced workflows.
- Develop and maintain dashboards and reports to track key risk metrics and provide data-driven insights to stakeholders.
- Stay up-to-date with industry trends and regulatory changes that may impact credit risk management.
What We Are Looking For
- 5+ years of experience in credit analysis and underwriting.
- Bachelor's degree in finance, economics, statistics, or a related field.
- Experience in risk management, financial lending, or core credit risk management function.
- Strong analytical skills and a rigorous, data-driven approach to problem-solving.
- Experience working with both internal and external stakeholders and the ability to closely manage expectations and deliverables in a timely manner.
- Ability to thrive in an unstructured and fast-moving organization.
- Strong technical expertise, including SQL, Excel, and Google Sheets.
- Self-starter who can work independently.
Nice to Have
- Experience with quantitative tools such as Python, R, or Stata.
- Master's degree in finance, economics, statistics, or a related field.
- Experience working in a fintech or payments industry.
- Knowledge of machine learning models and their application in credit risk assessment.
Benefits and Perks
- Opportunity to work with a leading financial infrastructure platform.
- Collaborative and dynamic work environment.
- Professional development opportunities.
- Competitive compensation and benefits package.
- Flexible working hours and remote work options.
- Access to the latest tools and technologies.
- Opportunity to work with a talented team of professionals.
- Comprehensive health insurance and wellness programs.
How to Stand Out
- Ensure you have a strong understanding of credit risk management principles and experience with data analysis tools like Excel and Google Sheets.
- Showcase your ability to work independently and manage multiple projects simultaneously in a fast-paced environment.
- Highlight any experience you have with quantitative tools like Python or R, as these are highly valued in this role.
- Prepare to discuss how you stay updated with industry trends and regulatory changes that may impact credit risk management.
- Develop a portfolio that demonstrates your analytical skills and ability to drive data-driven insights.
- Be prepared to discuss your experience with third-party data and how you incorporate it into credit assessments.
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