The opportunity
The Credit Risk team is responsible for managing the credit risk generated by businesses processing payments on Stripe. The team combines commercial underwriting, portfolio management, analytics, and cross-functional partnership to protect Stripe from financial loss while enabling strong businesses to grow.
What you'll do
You will underwrite and manage a portfolio of Stripe’s largest and: fastest-growing businesses across APAC and Greater China Region. You will evaluate complex business models and financial information, develop clear credit recommendations, and identify mitigations that protect Stripe while supporting sustainable user growth
Evaluate business models, financial statements, cash-flow forecasts,: transaction patterns, and other relevant information to assess credit risk.
Develop clear, data-driven credit recommendations and tailored risk: mitigations that balance Stripe’s exposure with users’ ability to grow.
Build expertise across APAC industries, geographies, payment flows, and: operating models, and apply this context to underwriting and portfolio decisions.
Provide credit insights that support onboarding, ongoing portfolio: management, commercial decisions, and merchant-pricing analysis.
Conduct periodic and trigger-based reviews, identify changes in risk, and: recommend timely actions to manage Stripe’s exposure.
What they're looking for
- + years of relevant experience in commercial credit underwriting,: financial-risk modeling, cash-flow forecasting, or portfolio credit risk.
- A bachelor’s degree in Finance, Accounting, Economics, Statistics, or a: related field, or equivalent practical experience.
- Strong accounting knowledge and demonstrated ability to evaluate financial: statements, cash flows, business models, and sources of repayment.
- Ability to synthesize quantitative and qualitative information into a clear: credit-risk narrative, approval rationale, and mitigation strategy.
- Sound commercial judgment and the ability to balance financial-risk: considerations with user growth and business objectives.
- Strong written and verbal communication skills, including the ability to: explain complex credit decisions to senior internal stakeholders and user executives.
- Strong analytical and problem-solving skills, attention to detail, and the: ability to manage competing priorities in a fast-paced environment.
- Experience working cross-functionally with teams such as Sales, Legal,: Treasury, Finance, Product, Operations, or Risk.
