Credit Risk Strategy Analyst, Portfolio and Policy Management

Summary

Join Stripe's Portfolio and Policy Management team as a key member responsible for shaping the future of Stripe's credit policy. Leverage analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions. Analyze account activity and monitor portfolio trends to identify opportunities to reduce potential credit losses. Collaborate with technical teams, understand current credit controls and strategies, and deeply understand performance metrics. Work closely with the core risk team to mitigate potential risks and lead cross-functional projects. This role requires strong analytical skills, experience in credit analysis and underwriting, and cross-functional collaboration. The ideal candidate will have a Bachelor's degree in a related field and experience in small business or credit risk management.

Requirements

• 5+ years of experience in credit analysis and underwriting
• Bachelor's degree in finance, economics, statistics, or a related field
• Experience in small business or credit risk management and/or financial lending
• Strong analytical skills and a rigorous, data-driven approach to problem-solving
• Experience working cross-functionally across multiple teams and time zones
• Strong stakeholder management and prioritization skills
• Ability to thrive in an unstructured and fast-moving organization
• Strong technical expertise, including SQL, Excel and Google sheets
• Ability to quickly learn complex concepts and internal tooling
• Direct experience with modeling concepts across credit risk
• Self-starter who can work independently and can proactively identify gaps, create solutions and drive adoption and scale

Responsibilities

• Leverage analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions
• Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses
• Collaborate with our technical teams - Risk Foundations, Engineering and Modeling (Data Science, ML’s)
• Understand our current credit controls and strategies to identify opportunities for improvement
• Deeply understand our performance metrics including loss trends and leading indicators
• Work closely with our core risk team to mitigate potential risks with specific users
• Lead cross-functional projects, manage timelines and deliverables, and effectively coordinate with various stakeholders to ensure alignment and successful implementation of credit risk initiatives

Preferred Qualifications

• Experience with quantitative tools such as Python, R, or Stata
• Master's degree in finance, economics, statistics, or a related field
• Superior communication and relationship management skills
• Experience working with machine learning teams
• Ability to communicate results clearly with a focus on driving impact