Credit Risk Strategist, Risk Foundations

Who we are

About Stripe

Stripe is a financial infrastructure platform for businesses. Millions of companiesfrom the worlds largest enterprises to the most ambitious startupsuse Stripe to accept payments grow their revenue and accelerate new business opportunities. Our mission is to increase the GDP of the internet and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyones reach while doing the most important work of your career.

About the team

Risk Foundations is a small high-leverage team with a mandate to maximize Stripes enterprise value by managing risk across the user lifecycle. Whether were evaluating net-new opportunity areas investigating existential threats or finding ways to unlock value in the existing business we approach problems with rigor nuance and intellectual humility. If you are excited to shape the infrastructure that powers safe sustainable growth for millions of businesses we encourage you to apply!

What youll do

Stripe handles billions of dollars every year for businesses around the world and the Risk team plays a critical role in the companys financial and partnership success. As a Strategist on the Risk Foundations team you will help manage a rapidly growing merchant portfolio by guiding Stripes credit strategy and devising growth-friendly solutions that reduce overall credit risk. This is a high impact role that involves cross-functional partnership with Data Science Engineering Product and Operations.

Responsibilities

• Develop scalable methods to identify measure and control end-to-end risks (including Credit and Fraud) across the user lifecycle: this will involve identifying and shaping crucial risk management systems including in-product and back-end controls use of external risk assessment tools and implementation of rule-based and model-based detection systems
• Proactively identify risk management opportunities outline the strategy and translate complex requirements into technical specifications which may include shipping code to enable rapid iteration of risk strategy
• Work closely with Product Engineering and Data Science teams to shape new product offerings and develop data-driven globally scalable systems and processes that combine strong risk management fundamentals with seamless user experiences.
• Become an expert on the global ecosystem of Stripes products integrations tools and partner requirements and how those elements interact with payment risks
• Develop strong internal relationships across partner teams (Data Science Product Engineering Treasury Sales Operations and Finance)
• Challenge the payments industry status quo to help enable innovative businesses to flourish online
  

Who you are

Were looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements you are encouraged to apply. The preferred qualifications are a bonus not a requirement.

Minimum requirements

• 5 years of relevant experience with financial risk modeling
• A builders mindset with a willingness to question assumptions and conventional wisdom
• Analytical: You are well versed in data analysis modeling and can frame business decisions and tradeoffs effectively through quantitative analysis and visualization
• Collaborative: Ability to work effectively across teams building strong working relationships in order to successfully execute on shared deliverables
• Decisive yet open to learning: you will make many critical decisions every day impacting large numbers of merchants. You are willing to make these difficult decisions and quickly learn and iterate from these experiences.
• Understanding and empathetic to the challenges of setting up a new business: You will thoughtfully balance scaled enforcement decisions with user experience.
• An enthusiastic roll up your sleeves mentality
• Experience with SQL required
• Bachelors degree in Economics Statistics Computer Science Engineering or other quantitative or related field
  

Preferred qualifications

• Experience with Python
• Demonstrated experience working in fast paced highly ambiguous environments
• Familiarity with LLM agents and how they can augment risk management practices