Credit Risk Strategist, Commercial Business (Mandarin-Speaking)

Details

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

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 strategist on the Commercial Business Risk team, you will help underwrite and manage a portfolio of our largest and fastest growing businesses while guiding credit strategy and devising growth-friendly solutions that reduce Stripe’s credit risk. This is a high impact role that involves cross-functional partnership with Sales, Legal, Treasury, and Finance.

What you’ll do

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 key business decisions ranging from onboarding strategies to pricing analysis and product launches
• Help drive a risk-centric approach to innovating Stripe’s products and infrastructure
• Refine tools and processes to help the group deliver on key performance indicators
• Work with internal and external partners to support entrepreneurs 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

• 5-8 years of relevant experience with knowledge of commercial credit underwriting, financial risk modeling, and cash flow forecasting
• Ability to speak and write Mandarin (full professional proficiency) is required as you’ll be engaging with senior stakeholders from the most complex China-based merchants.
• The ability to transform business and financial data into a cohesive narrative that outlines potential credit risks and presents dynamic mitigation strategies
• Strong knowledge of accounting principles and comfort with evaluating financial statements and business models across a range of industries
• Superb written, verbal, and analytical skills
• Attention to detail while managing priorities in a fast-paced environment
• The 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
• Bachelor’s degree in Economics, Statistics, Finance, Computer Science, Engineering or other quantitative field

Preferred qualifications

• Strong technical expertise, including SQL, excel, google sheets

Hybrid work at Stripe

Office-assigned Stripes spend at least 50% of the time in a given month in their local office or with users. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for individuals and their teams.

Pay and benefits

The annual salary range for this role in the primary location is S$152,000 - S$228,000. This range may change if you are hired in another location. For sales roles, the range provided is the role’s On Target Earnings (“OTE”) range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and specific location. Applicants interested in this role and who are not located in the primary location may request the annual salary range for their location during the interview process.

Specific benefits and details about what compensation is included in the salary range listed above will vary depending on the applicant’s location and can be discussed in more detail during the interview process. Benefits/additional compensation for this role may include: equity, company bonus or sales commissions/bonuses; retirement plans; health benefits; and wellness stipends.

We look forward to hearing from you

At Stripe, we're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Stripe, we welcome diverse perspectives and people who think rigorously and aren't afraid to challenge assumptions. Join us.