Credit Risk Analyst, North American Underwriter
About the role
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. The mission is to increase the GDP of the internet.
About the Team
The Credit team protects Stripe by managing the end-to-end risk of the largest and most complex users. The team leverages deep underwriting expertise and data-driven stress heuristics to make informed decisions at every stage of the user lifecycle—from onboarding to loss recovery.
What You'll Do
As a Credit Risk Analyst, North American Underwriter, you will underwrite and manage a portfolio of the largest and fastest growing businesses to facilitate Stripe's growth objectives while minimizing credit risk. This role involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance.
Responsibilities
- Work directly with top merchants to evaluate their business models and financial statements
- Provide tailored credit risk recommendations that mitigate Stripe's exposure while facilitating partner company growth
- 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
- Work with internal and external partners to support merchants around the world
Minimum Requirements
- 3+ years of relevant experience with knowledge of commercial credit underwriting, financial risk modeling, and credit analysis