Credit Risk Analyst, North American Underwriter

As a Credit Risk Analyst, North American Underwriter, you will play a critical role in Stripe's financial and partnership success. 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.

Responsibilities:

• Work directly with our top merchants 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

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 are motivated 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