Credit Risk Analyst, North American Underwriter
Underwrites and manages credit risk for large and growing merchants, evaluating financial statements and business models while recommending exposure mitigations. The role requires at least three years of relevant experience, strong accounting and analytical skills, and a bachelor's degree in a related field.
About the job
Responsibilities
- Work directly with 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.
Requirements
- 3+ years of relevant experience with knowledge of commercial credit underwriting, financial risk modeling, and cash flow forecasting.
- Bachelor's degree in Finance, Economics, Statistics, or another related field.
- Strong knowledge of accounting principles and comfort evaluating financial statements and business models across a range of industries.
- Ability to transform business and financial data into cohesive narratives outlining potential credit risks and presenting dynamic mitigation strategies.
- Strong written, verbal, and analytical skills.
- Attention to detail while managing priorities in a fast-paced environment.
- Ability to comfortably interact with CFOs and CEOs of top merchants.
- Deep empathy for entrepreneurs and motivation to solve problems that empower them.
Nice-to-haves
- Strong technical expertise, including demonstrated experience with SQL.
- Strong data visualization skills and a passion for data and analysis.
- Experience working in technology or other fast-paced, high-growth environments.
Skills
Commercial Credit Underwriting, Financial Risk Modeling, Cash Flow Forecasting, Accounting, Financial Statements, SQL, Data Visualization, Credit Risk Analysis
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