Strategic Commercial Credit Risk Analyst

Leyla; United States; Remote; USD 120,000 - 160,000; Full time

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 our largest and fastest-growing businesses to enable growth while minimizing credit risk. This role collaborates with Sales, Legal, Treasury, and Finance.

Role aligns with West Coast hours and prefers candidates in Pacific time zone, reflecting client and internal team coordination across regions.

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

Communication skills

Education

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

Tools

SQL

Job description

Stripe is seeking a Credit Risk Analyst Commercial Underwriter on the North America Strategy Risk team. You will underwrite and manage a portfolio of our largest and fastest-growing businesses to enable growth while minimizing credit risk. This role collaborates with Sales, Legal, Treasury, and Finance.

Role aligns with West Coast hours and prefers candidates in Pacific time zone, reflecting client and internal team coordination across regions.