Credit Risk Analyst

About the company

• Stripe is a financial infrastructure platform for businesses, used by millions of companies worldwide
• The Credit team manages end-to-end risk of Stripe's largest and most complex users

Responsibilities

• Work directly with top merchants to evaluate business models and financial statements
• Provide tailored credit risk recommendations that mitigate Stripe exposure while facilitating growth
• Manage the portfolio by developing deep understanding of risk across industries, geographies, and operating models
• Deliver insights to support senior management decisions, from onboarding strategies to merchant pricing analysis
• Support refinement of tools and processes for KPIs such as credit loss targets and portfolio coverage
• Work with internal and external partners to support merchants globally

Requirements

• 5+ years of relevant experience in commercial credit underwriting, financial risk modeling, and cash flow forecasting
• Bachelor's degree in Finance, Economics, Statistics, or related field
• Strong knowledge of accounting principles and financial statement evaluation
• Ability to transform business and financial data into cohesive narratives
• Strong written, verbal, and problem-solving skills
• Ability to interact with CFOs and CEOs of top merchants
• Preferred: strong SQL expertise, data visualization skills, experience in tech or high-growth environments

Conditions

• Hybrid work: office or remote location (35+ miles from a Stripe office)
• Office-assigned employees spend at least 50% of time in local office
• Role assigned to West Coast hours, preference for Pacific time zone