Note: The job is a remote job and is open to candidates in USA. Stripe is hiring a Credit Risk Analyst Commercial Underwriter to underwrite and manage a portfolio of large, fast-growing businesses. The role focuses on facilitating merchant growth while minimizing credit risk through financial analysis, tailored recommendations, portfolio insights, and cross-functional partnership.

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 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

Skills

• 5+ 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 problem-solving 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
• 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

Benefits

• Remote work in the United States or Canada

Company Overview

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