Credit Risk Analyst Commercial Underwriter, West Coast
About the role
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.
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 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
- 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
Preferred Qualifications
- Experience working in tech, or other fast-paced, high-growth environments
Benefits
- Award-winning benefits package including medical, dental, and vision coverage, wellness stipends, and more
- Equity, company bonus or sales commissions/bonuses
- 401(k) plan
Pay
The annual US base salary range for this role is $121,600 - $220,600. For sales roles, the range provided is the role’s On Target Earnings ("OTE") range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and location.
Schedule
This role is assigned to West Coast hours, with a high preference for candidates in the Pacific time zone.
Location
This role is available either in an office or a remote location (35+ miles or 56+ km from a Stripe office).