Credit Risk Strategy and Analytics

Stripe; United States; Remote; USD 147,000 - 221,000; Full time

Benefits offered by this job

Equity

Company bonus or sales commissions/bon

401(k) plan

Medical, dental, and vision benefits

Wellness stipends

Job summary

Stripe is seeking a Senior Credit Risk Analyst to help shape the credit policy for Stripe's lending products using proprietary data. You will drive risk and underwriting framework changes, informing pricing and capital allocation decisions.

You’ll collaborate with Product, Data Science, Engineering, and Capital Markets, and leverage external data where applicable. The role supports remote work with US-based teams and international coordination.

Qualifications

• 5+ years of experience in credit analysis and underwriting.
• Bachelor's degree in finance, economics, statistics, or a related field.
• Experience in risk management, financial lending, or core credit risk management function.
• Strong analytical skills and a rigorous, data-driven approach to problem-solving.
• Experience working with internal and external stakeholders and the ability to closely manage expectations and deliverables.
• Ability to thrive in an unstructured and fast-moving organization.

Responsibilities

• Architect and implement credit policies based on Stripe's data to target, price, and size capital products.
• Provide credit risk recommendations, deliver insights, and support strategic decisions.
• Collaborate with Product, Data Science, Engineering, and Capital Markets across geographies.
• Incorporate third-party data into our credit assessment.
• Analyze account activity and monitor portfolio trends to reduce credit losses.
• Scale risk processes by designing and optimizing outsourced workflows.

Skills

Analytical thinking

Data-driven

Stakeholder management

Independent worker

Fast-moving environment

Education

Bachelor's degree in finance, economics, statistics, or related field

Tools

SQL

Excel

Google Sheets

Python

R

Stata

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.

About The Team

The Capital team is responsible for managing the end-to-end risk strategy for Stripe's lending product. The team is based in the US and Canada, and is composed of curious, driven, and analytical individuals who are passionate about using their skills to shape the future of Stripe. We partner closely with Stripe's engineering, data science, product, and servicing teams to leverage existing platforms, integrate industry best practices, and develop novel solutions to evaluate and manage credit risk.

What you’ll do

As a key member of the Capital team, you will have the opportunity to shape the future of Stripe's credit policy by driving meaningful changes to the risk and underwriting framework. You will leverage Stripe's vast data assets to formulate your recommendations and work closely with our partners and, where applicable, leverage third-party data. We are a small and lean team, which means you will have the autonomy and the responsibility to manage end-to-end risk initiatives.

Responsibilities

• Architect and implement credit policies based on Stripe's proprietary data and selected industry data to target, price, and size capital products.


• Utilize your analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions.


• Collaborate with cross-functional teams, such as Product, Data Science, Engineering, and Capital Markets to shape new product development across different geographies and industries.


• Incorporate third-party data, including bureau, bank account, financial statements, and less traditional data, into our credit assessment.


• Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses.


• Help scale risk processes by working with partners to design and optimize outsourced workflows.

Who you are

We’re looking for someone who meets the minimum requirements to be considered for the role. The preferred qualifications are a bonus, not a requirement.

Minimum Requirements

• 5+ years of experience in credit analysis and underwriting.


• Bachelor's degree in finance, economics, statistics, or a related field.


• Experience in risk management, financial lending, or core credit risk management function.


• Strong analytical skills and a rigorous, data-driven approach to problem-solving.


• Experience working with both internal and external stakeholders and the ability to closely. manage expectations and deliverables in a timely manner.


• Ability to thrive in an unstructured and fast-moving organization.


• Strong technical expertise, including SQL, excel, google sheets.


• Self-starter who can work independently.

Preferred Qualifications

• Experience with quantitative tools such as Python, R, or Stata.


• Master's degree in finance, economics, statistics, or a related field.


• Superior communication and relationship management skills.


• Experience with credit scoring models.


• Experience working with machine learning teams.


• Ability to communicate results clearly with a focus on driving impact.

Working remotely at Stripe

A remote location is defined as being 35 miles (56 kilometers) 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.

Pay and benefits

The annual US base salary range for this role is $147,000 - $220,600. 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.

Additional benefits for this role may include: equity, company bonus or sales commissions/bonuses; 401(k) plan; medical, dental, and vision benefits; and 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.