Credit Risk Strategist, Underwriter

Stripe • Chicago, IL

239d • $110,500 - $165,800 • Remote

About The Position

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. 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.

Requirements

• 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.

Nice To Haves

• Experience with SQL and data analysis.

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 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.

Benefits

• Equity
• Company bonus or sales commissions/bonuses
• 401(k) plan
• Medical, dental, and vision benefits
• Wellness stipends

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree