Credit Risk Strategist, Underwriter

Summary

Join Stripe's Commercial Business Risk team as a Credit Strategist and underwrite and manage a portfolio of large, fast-growing businesses. You will work directly with top merchants, evaluating their business models and financial statements to provide tailored credit risk recommendations. This high-impact role involves collaborating with Sales, Legal, Treasury, and Finance teams. Responsibilities include managing the portfolio, delivering insights to senior management, refining tools and processes, and working with internal and external partners. The ideal candidate possesses strong analytical and communication skills, along with experience in commercial credit underwriting and financial risk modeling. A deep understanding of accounting principles and the ability to interact with high-level executives are essential.

Requirements

• 2+ years of relevant experience with knowledge of commercial credit underwriting, financial risk modeling, and cash flow forecasting
• Strong knowledge of accounting principles and comfort with evaluating financial statements and business models across a range of industries
• The ability to transform business and financial data into a cohesive narrative that outlines potential credit risks and presents dynamic mitigation strategies
• Strong 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 Finance, Economics, Statistics, or other related fields

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 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

Preferred Qualifications

Experience with SQL and data analysis is a plus