Credit Risk Strategy and Analytics

The shape of it

In the posting’s own words

The Capital team is responsible for managing the end-to-end risk strategy for Stripe's lending product. The team is based in the US and Canada, and 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 it asks for · 8

• 5+ years of experience in credit analysis and underwriting.
• Bachelor's degree in finance, economics, statistics, or a related field.
• Experience in risk management, financial lending, or core credit risk management function.
• 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.

Also a plus

• 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.

What the job covers

• Architect and implement credit policies based on Stripe's proprietary data and selected industry data to target, price, and size capital products.
• Utilize your analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions.
• Collaborate with cross-functional teams, such as Product, Data Science, Engineering, and Capital Markets to shape new product development across different geographies and industries.
• Incorporate third-party data, including bureau, bank account, financial statements, and less traditional data, into our credit assessment.
• Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses.
• Help scale risk processes by working with partners to design and optimize outsourced workflows.

Degree language

• Bachelor's degree in finance, economics, statistics, or a related field.

Tools and skills named

Words the posting leans on

• credit9×
• data8×
• risk8×
• experience7×
• product5×
• capital4×
• requirements4×
• shape4×
• skills4×
• analytical3×
• closely3×
• credit risk3×
• financial3×
• future3×
• leverage3×
• manage3×

Counted from the posting after the mission statement and the legal notices are set aside. The ones near the top are the ones a screener is looking for.

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