Job description
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
Stripe handles billions of dollars every year for businesses around the world, and the Risk team plays a critical role in the company’s financial and partnership success. As a credit strategist on the Commercial Business Risk team, you will underwrite and manage a portfolio of our largest and fastest growing businesses in order to facilitate Stripe’s growth objectives while minimizing Stripe’s credit risk. This is a high impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance.
You will:
- 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 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
We are looking for someone with:
- 2+ years of relevant experience with knowledge of commercial credit underwriting, financial risk modeling, and cash flow forecasting
- Strong knowledge of accounting principles and comfort with evaluating financial statements and business models across a range of industries
- The ability to transform business and financial data into a cohesive narrative that outlines potential credit risks and presents dynamic mitigation strategies
- Strong written, verbal, and analytical skills
- Attention to detail while managing priorities in a fast-paced environment
- The ability to comfortably interact with the CFOs and CEOs of our top merchants
- Deep empathy for entrepreneurs running a business, and are motivated to solve problems to empower them
- Bachelor’s degree in Finance, Economics, Statistics, or other related fields
- Experience with SQL and data analysis is a plus
