Credit Risk Underwriter for High-Growth Merchants

Stripe; Toronto; On-site; CAD 102,000 - 153,000; Full time

Benefits offered by this job

Equity

Bonus or commissions

Retirement plans

Health benefits

Wellness stipends

Job summary

Stripe is seeking a Credit Analyst Underwriter on the North America Strategy Risk team to underwrite and manage a portfolio of the largest and fastest-growing merchants. You will enable Stripe’s growth objectives while minimizing credit risk through cross-functional partnership with Sales, Legal, Treasury, and Finance.

You will evaluate business models and financial statements of top merchants, provide tailored risk recommendations, and contribute to portfolio risk understanding across

Qualifications

• 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 interact with CFOs and CEOs of top merchants.
• Deep empathy for entrepreneurs and motivation to empower them.

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.

Skills

Credit underwriting

Financial risk modeling

Cash flow forecasting

Storytelling with data

Education

Bachelor's degree in Finance, Economics, Statistics, or related field

Tools

SQL

Data visualization

Job description

Stripe is seeking a Credit Analyst Underwriter on the North America Strategy Risk team to underwrite and manage a portfolio of the largest and fastest-growing merchants. You will enable Stripe’s growth objectives while minimizing credit risk through cross-functional partnership with Sales, Legal, Treasury, and Finance.

You will evaluate business models and financial statements of top merchants, provide tailored risk recommendations, and contribute to portfolio risk understanding across