Credit Risk Analyst - Commercial Underwriter (West Coast)

WYNK Jobs; San Francisco (CA); Remote; USD 120,000 - 190,000; Full time

Job summary

Stripe is seeking a Credit Risk Analyst and Commercial Underwriter on the North America Strategy Risk team to manage a portfolio of Stripe's largest merchants. You will assess business models, forecast cash flows, and underwrite credit decisions to enable growth while controlling risk.

This role collaborates with Sales, Legal, Treasury, and Finance, interacts with CFOs/CEOs of key merchants, and aligns with West Coast hours.

Qualifications

• 5+ years of commercial credit underwriting, financial risk modeling, and cash flow forecasting.
• Strong ability to translate financial data into clear risk narratives.
• Experience interacting with C-suite executives and cross-functional teams.

Responsibilities

• Directly engage with top merchants to assess business models and financial health.
• Develop credit risk recommendations to mitigate exposure while enabling growth.
• Manage credit portfolio across industries, geographies, and models.
• Provide insights to senior leadership on onboarding, pricing, and risk strategies.

Skills

Business Model Evaluation

Cash Flow Forecasting

Commercial Underwriting

Credit Risk Analysis

Data Analysis

Data Visualization

Financial Risk Modeling

Financial Statement Analysis

Risk Mitigation

SQL

Education

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

Tools

SQL

Job description

# Credit Risk Analyst - Commercial Underwriter (West Coast)Salary not disclosedSan Francisco, California · Los Angeles, California · Seattle, Washington**5+**yrs experience**166**viewsActively hiringApply on company siteJob type: Full TimeWork mode: RemoteExperience: 5+ yearsSalary: Not disclosedFunction: Credit AnalystLocations: San Francisco, California · Los Angeles, California · Seattle, WashingtonOverviewRequirementsCompanyFAQ ## Job description## About StripeStripe is a financial infrastructure platform empowering businesses worldwide. From global enterprises to ambitious startups, millions leverage Stripe to process payments, boost revenue, and unlock new business opportunities. Our mission is to increase the GDP of the internet, offering an unparalleled chance to make the global economy accessible to everyone while undertaking career-defining work.## About the RoleAs a Credit Risk Analyst and Commercial Underwriter on the North America Strategy Risk team, you will be instrumental in managing and underwriting a portfolio of Stripe's largest and fastest-growing businesses. Your primary focus will be to facilitate growth objectives while meticulously mitigating credit risk. This high-impact role demands strong collaboration with Sales, Legal, Treasury, and Finance teams. This position is aligned with West Coast hours, with a strong preference for candidates located in the Pacific time zone.### Responsibilities* Directly engage with top merchants, ranging from venture-backed startups to established institutions, to assess their business models and financial health.* Develop tailored credit risk recommendations that effectively mitigate Stripe's exposure while supporting partner company growth.* Manage the credit portfolio by cultivating a deep understanding of risks across various industries, geographies, and operating models.* Provide critical insights to senior management to inform decisions on onboarding strategies, merchant pricing, and other key initiatives.* Contribute to the refinement of tools and processes to ensure the team meets key performance indicators, such as credit loss targets and portfolio coverage metrics.* Collaborate with internal and external partners to support merchants globally.## Requirements10 skillsMust haveBusiness Model EvaluationCash Flow ForecastingCommercial UnderwritingCredit Risk AnalysisData AnalysisData VisualizationFinancial Risk ModelingFinancial Statement AnalysisRisk MitigationSQL### What you’ll need* 5+ years of relevant experience in commercial credit underwriting, financial risk modeling, and cash flow forecasting.* Bachelor's degree in Finance, Economics, Statistics, or a related field.* Strong understanding of accounting principles and proficiency in evaluating financial statements and business models across diverse industries.* Ability to translate complex business and financial data into clear narratives, identifying potential credit risks and proposing dynamic mitigation strategies.* Excellent written, verbal, and problem-solving skills.* Meticulous attention to detail while managing multiple priorities in a fast-paced environment.* Comfortable interacting with CFOs and CEOs of top-tier merchants.* Deep empathy for entrepreneurs and a strong motivation to help them succeed.* Preferred: Strong technical expertise, including demonstrated experience with SQL.* Preferred: Strong data visualization skills and a passion for data analysis.* Preferred: Experience in the tech industry or other fast-paced, high-growth environments.