Credit Risk Analyst, North American Underwriter

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 Analyst Underwriter on the North America Strategy Risk team, you will underwrite and manage a portfolio of our largest and fastest gro...

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 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.
3+ 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 analytical 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