Credit Risk Strategy and Analytics

About the role

The Capital team at Stripe is responsible for managing the end-to-end risk strategy for Stripe's lending product. The team is based in the US and Canada and consists of individuals with a passion for shaping the future of Stripe through their work.

Responsibilities

• Arcitect and implement credit policies based on Stripe's proprietary data and selected industry data to target, price, and size capital products.
• Utilize your analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions.
• Collaborate with cross-functional teams, such as Product, Data Science, Engineering, and Capital Markets to shape new product development across different geographies and industries.
• Incorporate third-party data, including bureau, bank account, financial statements, and less traditional data, into our credit assessment.
• Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses.
• Help scale risk processes by working with partners to design and optimize outsourced workflows.

Requirements

• 5+ years of experience in credit analysis and underwriting.
• Bachelor's degree in finance, economics, statistics, or a related field.
• Experience in risk management, financial lending, or core credit risk management function.
• Strong analytical skills and a rigorous, data-driven approach to problem-solving.
• Experience working with both internal and external stakeholders and the ability to closely manage expectations and deliverables in a timely manner.
• Ability to thrive in an unstructured and fast-moving organization.
• Strong technical expertise, including SQL, Excel, Google Sheets.
• Self-starter who can work independently.

Preferred Qualifications

• Experience with quantitative tools such as Python, R, or Stata.
• Master's degree in finance, economics, statistics, or a related field.
• Superior communication and relationship management skills.
• Experience with credit scoring models.
• Experience working with machine learning teams.
• Ability to communicate results clearly with a focus on driving impact.

Who you are

We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement.

Working remotely at Stripe

A remote location is defined as being 35 miles (56 kilometers) or more from one of our offices. While you would be welcome to come into the office for team/business meetings, on-sites, meet-ups, and events, our expectation is you would regularly work from home rather than a Stripe office.

Pay and benefits

The annual US base salary range for this role is $147,000 - $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.

Applicants interested in this role and who are not located in the US may request the annual salary range for their location during the interview process.

Additional benefits for this role may include: equity, company bonus or sales commissions/bonuses; 401(k) plan; medical, dental, and vision benefits; and wellness stipends.