Credit Risk Analyst, North American Underwriter
Share
Job Location:
Monthly Salary:
Posted on:
11 hours ago
Vacancies:
1 Vacancy
Job Summary
Who we are
About Stripe
Stripe is a financial infrastructure platform for businesses. Millions of companies - from the worlds 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 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
The Credit team protects Stripe by managing the end-to-end risk of our largest and most complex users. We leverage deep underwriting expertise and data-driven stress heuristics to make informed decisions at every stage of the user lifecyclefrom onboarding to loss recovery. Our goal is to enable Stripes growth by making confident calibrated decisions on our highest-exposure users.
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 Credit Analyst Underwriter on the North America Strategy Risk team you will underwrite and manage a portfolio of our largest and fastest growing businesses in order to facilitate Stripes growth objectives while minimizing Stripes credit risk. This is a high impact role that involves strong cross-functional partnership with Sales Legal Treasury and Finance.
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 Stripes 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
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
- 3 years of relevant experience with knowledge of commercial credit underwriting financial risk modeling and cash flow forecasting
- Bachelors 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
Required Experience:
IC
Key Skills
- ISO 27001
- Microsoft Access
- Risk Management
- Financial Services
- PCI
- Risk Analysis
- Analysis Skills
- COBIT
- NIST Standards
- SOX
- Information Security
- Data Analysis Skills
About Company
.png?1538676884){kind=logo}
Stripe is a suite of APIs powering online payment processing and commerce solutions for internet businesses of all sizes. Accept payments and scale faster with AI.
