Credit Risk Strategy and Analytics

Responsibilities

• Architect and implement credit policies based on Stripe's proprietary data and selected industry data to target, price, and size capital products.
• Utilize 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.

Minimum 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.