About the Position

Credit Risk Analyst, North American Underwriter

Toronto, Remote-Canada

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

The Credit team protects Stripe by managing the end-to-end risk of our largest and most complex users. We leverage deep underwriting expertise and data-driven stress heuristics to make informed decisions at every stage of the user lifecycle-from onboarding to loss recovery. Our goal is to enable Stripe’s growth by making confident, calibrated decisions on our highest-exposure users.

What You’ll Do

As a Credit Analyst Underwriter on the North America Strategy 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.

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.

Who You Are

Minimum 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 other related fields
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 that outline potential credit risks and present 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 the CFOs and CEOs of our top merchants
Deep empathy for entrepreneurs running a business and motivation to solve problems to empower them

Preferred Qualifications

Strong technical expertise, including demonstrated experience with SQL
Strong data visualization skills and a passion for data and analysis
Experience working in tech or other fast-paced, high-growth environments

We Offer

Opportunity to work in a dynamic and innovative environment
Be part of a mission-driven company that aims to increase the GDP of the internet
Collaborative and inclusive work culture
Competitive compensation and benefits package

About the Company

Stripe is a global technology company building economic infrastructure for the internet. Businesses of every size and industry use our software to create and manage a modern payments stack.

Credit Risk Analyst, North American Underwriter

Job description