Credit Risk Analyst, North American Underwriter

Leyla; United States; Remote; USD 120,000 - 190,000; Full time

Job summary

Stripe is seeking a Credit Analyst Underwriter for the North America Strategy Risk team. You will underwrite and manage a portfolio of Stripe’s largest and fastest-growing businesses, delivering tailored risk recommendations to protect Stripe’s credit exposure while supporting growth.

You will collaborate with Sales, Legal, Treasury, and Finance to provide insights for onboarding strategies, pricing analyses, and portfolio management across diverse industries and geographies.

Qualifications

• 3+ years of relevant experience in commercial credit underwriting, financial risk modeling, and cash flow forecasting.
• Bachelor's degree in Finance, Economics, Statistics, or related field.
• Strong knowledge of accounting principles and ability to evaluate financial statements across industries.
• Ability to translate business and financial data into clear narratives with mitigation strategies.
• Strong written, verbal, and analytical skills.
• Attention to detail while managing priorities in a fast-paced environment.
• Comfort interacting with CFOs and CEOs of top merchants.
• Deep empathy for entrepreneurs and motivation to solve problems.

Responsibilities

• Underwrite and manage a portfolio of Stripe’s largest and fastest-growing businesses.
• Provide tailored credit risk recommendations that mitigate exposure while enabling growth.
• Develop deep understanding of risk across industries, geographies, and operating models.
• Deliver insights to support senior management decisions, including onboarding strategies and pricing analysis.
• Refine tools and processes to improve credit loss targets and portfolio coverage metrics.
• Collaborate with cross-functional partners across Sales, Legal, Treasury, and Finance.

Skills

Credit underwriting

Financial risk modeling

Cash flow forecasting

Storytelling with data

Strong communication

Attention to detail

Engaging with executives

Empathy for entrepreneurs

Education

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

Tools

SQL

Job description

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 Analyst Underwriter on the North America Strategy Risk team, you will underwrite and manage a portfolio of our largest and fastest growing businesses in order to facilitate Stripe’s growth objectives while minimizing Stripe’s credit risk. This is a high impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance.

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.

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

• 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 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