Credit Risk Strategist

Who we are

About Stripe

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. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career.

About the team

Our Credit Risk team is global across SF, NY, Dublin, UK, Singapore, Japan, and various remote locations within the US, EMEA, and APAC.  We are curious and driven individuals who are working towards building a best in class Credit Risk team with a goal of managing credit losses while supporting business growth. We are building foundations in our processes, systems, and policies that will pave the way for scaling credit risk in an innovative and user-first manner.

What you’ll do

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’s 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 key business decisions ranging from onboarding strategies to  pricing analysis and product launches
• Help drive a risk-centric approach to innovating Stripe’s products and infrastructure
• Refine tools and processes to help the group deliver on key performance indicators
• Work with internal and external partners to support entrepreneurs around the world

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.

Minimum requirements

The ideal candidate will have strong technical skills combined with the ability to distill down complex financial concepts to simple narratives. You will have in-depth understanding of payments credit risk, and are adept at building and deploying credit risk policies, models and metrics. Lastly, you enjoy building - you enjoy partnering cross-functionally to drive core credit risk initiatives including risk appetite, portfolio diversification and risk-based pricing.

• 6+ years of relevant experience within credit risk management, ideally at a high-growth technology and/or financial services company. Investment banking, management consulting and/or private equity experience will also be considered
• Strong presentation skills and ability to transform data into a dynamic narrative. You have deep empathy for users of credit risk information and are able to create succinct narratives out of quantitative analyses. Additionally, you have excellent verbal and written communication skills
• Demonstrated ability to build strong collaborative working relationships in order to successfully work with data science, sales and product leaders across Stripe
• An enthusiastic “roll up your sleeves” mentality
• The ability to deal effectively with ambiguity and thrive in an unstructured, fast-moving environment
• Bachelor’s degree in Economics, Statistics, Finance, Computer Science, Engineering or other quantitative field

Preferred qualifications

•  Experience with SQL is strongly preferred