# Credit Risk Analyst, North American Underwriter

**Company**: Stripe
**Location**: Toronto, Remote-Canada
**Work arrangement**: remote
**Experience**: mid
**Job type**: full-time
**Category**: Finance
**Industry**: Technology

**Apply**: https://job-boards.greenhouse.io/stripe/jobs/7612192
**Canonical**: https://yubhub.co/jobs/job_765be958-ace

## Description

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

## Skills

### Required
- commercial credit underwriting
- financial risk modeling
- cash flow forecasting
- accounting principles
- credit risk analysis

### Nice to have
- SQL
- data visualization
- tech industry experience