# Credit Risk Strategy and Analytics

**Company**: Stripe
**Location**: Remote
**Work arrangement**: remote
**Experience**: senior
**Job type**: full-time
**Category**: Finance
**Industry**: Finance

**Apply**: https://job-boards.greenhouse.io/stripe/jobs/8044686?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_eabf9e5a-ed5

## Description

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.

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.

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.

## 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.

## 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.

## Skills

### Required
- credit analysis
- underwriting
- risk management
- financial lending
- SQL
- excel
- google sheets

### Nice to have
- Python
- R
- Stata
- credit scoring models
- machine learning

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Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/stripe/jobs/8044686?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)