Credit Risk Program Manager, Risk Foundations
Underwrite and manage credit risk for Stripe's largest merchants, evaluating financials and providing risk recommendations while partnering cross-functionally. Requires 5+ years in commercial credit underwriting and a bachelor's degree.
About the job
Responsibilities
- Work directly with top merchants to evaluate business models and financial statements
- Provide tailored credit risk recommendations that mitigate Stripe exposure while facilitating partner company growth
- Manage the portfolio by developing a deep understanding of risk across industries, geographies, and operating models
- Deliver insights to support senior management decisions on onboarding strategies and merchant pricing analysis
- Support refinement of tools and processes to deliver on KPIs such as credit loss targets and portfolio coverage metrics
- Work with internal and external partners to support merchants around the world
Requirements
- 5+ 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 related fields
- Strong knowledge of accounting principles and comfort evaluating financial statements and business models across industries
- Ability to transform business and financial data into cohesive narratives outlining potential credit risks and dynamic mitigation strategies
- Strong written, verbal, and problem-solving 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 to empower them
Nice-to-Haves
- Strong technical expertise, including demonstrated experience with SQL
- Strong data visualization skills and passion for data and analysis
- Experience working in tech or other fast-paced, high-growth environments
Skills
SQL, Financial Risk Modeling, Cash Flow Forecasting, Commercial Credit Underwriting, Financial Statement Analysis, Accounting Principles, Data Visualization, Business Model Evaluation
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