Credit Risk Analyst Commercial Underwriter, West Coast

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 m...

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 Risk Analyst Commercial Underwriter on the North America Strategy Risk team, you'll underwrite and manage a portfolio of our largest a...

This role is assigned to West Coast hours, with a high preference for candidates in the Pacific time zone.

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 Risk Analyst Commercial Underwriter on the North America Strategy Risk team, you'll underwrite and manage a portfolio of our largest and fastest-growing businesses to facilitate growth objectives while minimizing credit risk. This is a high-impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance.
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

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.
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