Credit Risk Analyst Commercial Underwriter

About the role

The Credit Risk Analyst Commercial Underwriter will manage the end-to-end risk of Stripe's largest and most complex users. This role involves underwriting and managing a portfolio of high-growth businesses to facilitate growth while minimizing credit risk through data-driven decision-making. The position requires cross-functional collaboration with Sales, Legal, Treasury, and Finance teams.

Responsibilities

• Work directly with top merchants to evaluate business models and financial statements
• Provide tailored credit risk recommendations to mitigate exposure while facilitating growth
• Manage the portfolio by developing a deep understanding of risk across industries and geographies
• Deliver insights to support senior management decisions on onboarding and pricing
• Support the refinement of tools and processes to meet key performance indicators
• Work with internal and external partners to support merchants globally

Required skills

• Commercial credit underwriting
• Financial risk modeling
• Cash flow forecasting
• Accounting principles
• Financial statement analysis
• Business model evaluation
• Data analysis
• Risk mitigation

Nice to have

• SQL
• Data visualization

Qualifications

• Bachelor's degree in Finance, Economics, Statistics, or a related field

About the Company

Stripe is a financial infrastructure platform for businesses that enables companies to accept payments, grow revenue, and accelerate new business opportunities.