Credit Risk Analyst Commercial Underwriter

Who we are 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. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. About the team 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 making confident, calibrated decisions on our highest-exposure users. What you’ll do 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. This role is assigned to West Coast hours, with a high preference for candidates in the Pacific time zone. 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 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 Who you are 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. Minimum requirements • 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 Preferred qualifications • 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