Credit Risk Analyst Commercial Underwriter
About the role
Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world's 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.
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. Our goal is to enable Stripe's growth by making confident, calibrated decisions on our highest‑exposure users.
As a Credit Risk Analyst Commercial Underwriter on the North America Strategy Risk team, you'll underwrite and manage a portfolio of our largest and fastest‑growing businesses to facilitate growth objectives while minimizing credit risk. This is a high‑impact role that involves strong cross‑functional partnership with Sales, Legal, Treasury, and Finance. This role is assigned to West Coast hours, with a high preference for candidates in the Pacific time zone.
At Stripe, we're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Stripe, we welcome diverse perspectives and people who think rigorously and aren't afraid to challenge assumptions.
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 St