Credit Risk Strategy & Analytics

Who we are

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 Small Business Risk team is responsible for managing the end-to-end risk credit strategy for small-medium size business processing payments on Stripe. We are responsible for developing innovative and tailored strategies to minimize risk while ensuring the best user experience on the platform. The North America based-team is composed of curious, driven, and analytical individuals who are passionate about using their skills to shape the future of Stripe. We partner closely with Stripe’s engineering, data science, product, and servicing teams to leverage existing platforms, integrate industry best practices, and develop novel solutions to evaluate and manage credit risk. If you are interested in joining a fast-growing organization and applying your experience to shape the future of Stripe, we encourage you to apply.

What you’ll do

As a key member of the Small Business Risk team, you will have the opportunity to shape the future of Stripe’s credit policy by driving meaningful changes to the risk framework. You will leverage Stripe’s vast data assets to formulate your recommendations and work closely with our partners and, where applicable, leverage third-party data. We are a small and lean team, which means you will have the autonomy and the responsibility to manage end-to-end risk initiatives.

Responsibilities

• Leverage analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions. 
• Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses. 
• Collaborate with our modeling team (Data Science, ML’s) to calibrate and deploy models to target risky sub-populations.
• Leverage third-party data, including bureau, bank account, financial statements, and less traditional data, in our credit assessment. 
• Collaborate with cross-functional teams, such as Product, Data Science, and Engineering, to tailor credit risk management techniques to shape new products and operate in different geographies and industries. 
• Lead cross-functional projects, manage timelines and deliverables, and effectively coordinate with various stakeholders to ensure alignment and successful implementation of credit risk initiatives.

Who you are

We’re looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement.

Minimum requirements

• 3-5 years of experience in credit analysis and underwriting
• Bachelor’s degree in finance, economics, statistics, or a related field
• Experience in small business or credit risk management and/or financial lending 
• 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.