Credit Risk Analyst, North American Underwriter
Stripe · Toronto, Remote-Canada · Operations
Curated summary
A remote operations opening from Stripe with official ATS source details and a direct employer apply link.
Full official source details
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Official description
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 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
Stripe handles billions of dollars every year for businesses around the world, and the Risk team plays a critical role in the company’s financial and partnership success. 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
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+ 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 are motivated 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
Application questions shown by the source
- First Name (Required)
- Last Name (Required)
- Email (Required)
- Phone (Required)
- Resume/CV (Required)
- Cover Letter (Optional)
- Please select the country where you currently reside. (Required)
- Please select the country or countries you anticipate working in for the role in which you are applying. (Required)
- Are you authorized to work in the location(s) you selected in your previous response? (Required)
- Will you require Stripe to sponsor you for a work permit now or in the future for the location(s) you selected in in your previous response? (Required)
- Do you have professional experience working with SQL or other coding languages? (Optional)
- Who is your current or previous employer? (Required)
- What is your current or previous job title? (Required)
- Have you ever been employed by Stripe or a Stripe affiliate? (Required)
- What is the most recent school you attended? (Required)
- What is the most recent degree you obtained? (Required)
- Do you opt-in to receive WhatsApp messages from Stripe Recruiting? (Required)
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Before applying
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