Credit Risk Analyst Commercial Underwriter, West Coast

About the role

Pinnacle Method Consulting is seeking a Credit Risk Analyst Commercial Underwriter for the North America Strategy Risk team at Stripe. This high-impact role involves working closely with top merchants to evaluate their business models and financial statements, providing tailored credit risk recommendations, and supporting strategic decision-making.

Responsibilities

• Work directly with our top merchants 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.

Requirements

• 5+ 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.

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.