Credit Risk Underwriting Strategist, Commercial Business

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

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 strategist on the Commercial Business Risk team, you will help underwrite and manage a portfolio of our largest and fastest growing businesses while guiding credit strategy and devising growth-friendly solutions that reduce Stripe’s credit risk. This is a high impact role that involves 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 key business decisions ranging from onboarding strategies to  pricing analysis and product launches
• Help drive a risk-centric approach to innovating Stripe’s products and infrastructure
• Refine tools and processes to help the group deliver on key performance indicators
• Work with internal and external partners to support entrepreneurs 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

• 5-8 years relevant experience in commercial credit underwriting, financial risk modeling, and cash flow forecasting
• The ability to transform business and financial data into a cohesive narrative that outlines potential credit risks and presents dynamic mitigation strategies
• Strong knowledge of accounting principles and comfort with evaluating financial statements and business models across a range of industries
• Superb written, verbal, and analytical skills
• Attention to detail while managing priorities in a fast-paced environment
• The 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
• Bachelor’s degree in Economics, Statistics, Finance, Computer Science, Engineering or other quantitative field

Preferred qualifications 

• Strong technical expertise, including SQL, excel, google sheets