The opportunity
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 lifecycle—from onboarding to loss recovery.
What you'll do
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 Stripe 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
What they're looking for
- + 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 problem-solving 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 motivation to solve problems to empower them
