Credit Risk Analyst Commercial Underwriter, West Coast

Stripe; San Francisco (CA); Hybrid; USD 122,000 - 182,000; Full time

Benefits offered by this job

Equity

Company bonus

401(k) plan

Medical, dental, and vision benefits

Wellness stipends

Job summary

Stripe is seeking a Credit Risk Analyst – Commercial Underwriter on the North America Strategy Risk team. You will underwrite and manage a portfolio of Stripe's largest, fastest-growing merchants to enable growth while controlling credit risk.

In collaboration with Sales, Legal, Treasury, and Finance, you will deliver risk-informed recommendations and strategies. This role follows West Coast hours and favors candidates in Pacific time.

Qualifications

• 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.

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.

Skills

SQL

Data visualization

Data analysis

Financial risk modeling

Education

Bachelor's degree in Finance, Economics, Statistics

Tools

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Job description

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.

Who we are

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

Hybrid work at Stripe

This role is available either in an office or a remote location (35+ miles or 56+ km from a Stripe office).

In-office expectations

Office-assigned Stripes spend at least 50% of the time in a given month in their local office or with users. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for individuals and their teams.

Working remotely at Stripe

A remote location is defined as being 35 miles (56 kilometres) or more from one of our offices. While you would be welcome to come into the office for team/business meetings, on-sites, meet-ups, and events, our expectation is you would regularly work from home rather than a Stripe office. Stripe does not cover the cost of relocating to a remote location. We encourage you to apply for roles that match the location where you currently live or plan to live.

Pay and benefits

The annual US base salary range for this role is $121,600 - $182,400. For sales roles, the range provided is the role’s On Target Earnings ("OTE") range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and location. Applicants interested in this role and who are not located in the US may request the annual salary range for their location during the interview process.

• equity
• company bonus or sales commissions/bonuses
• 401(k) plan
• medical, dental, and vision benefits
• wellness stipends

We look forward to hearing from you.

At Stripe, we're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Stripe, we welcome diverse perspectives and people who think rigorously and aren't afraid to challenge assumptions. Join us.