Remote Credit Risk Analyst – Commercial Underwriter

Stripe; Chicago (IL); Hybrid; USD 122,000 - 182,000; 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 Credit Risk Analyst/Commercial Underwriter on the North America Strategy Risk team to underwrite and manage a portfolio of our largest and fastest-growing businesses. You will collaborate across Sales, Legal, Treasury, and Finance, with a strong emphasis on cross-functional partnerships and data-driven decision-making.

The role requires 5+ years in commercial credit underwriting, financial risk modeling, and cash flow forecasting, and is aligned to West Coast hours with a

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

Credit underwriting

Financial risk modeling

Cash flow forecasting

Strong communication

Detail-oriented

Executive interaction

SQL

Data visualization

Education

Bachelor's degree in Finance/Economics/Statistics

Tools

SQL

Job description

Stripe is seeking a Credit Risk Analyst/Commercial Underwriter on the North America Strategy Risk team to underwrite and manage a portfolio of our largest and fastest-growing businesses. You will collaborate across Sales, Legal, Treasury, and Finance, with a strong emphasis on cross-functional partnerships and data-driven decision-making.

The role requires 5+ years in commercial credit underwriting, financial risk modeling, and cash flow forecasting, and is aligned to West Coast hours with a