Credit Risk Strategy Analyst, Portfolio and Policy Management

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

The Portfolio and Policy Management team is responsible for setting the Stripe payments credit risk policy and monitoring performance across our global accounts with a specific focus on North American Users. We are responsible for identifying key trends in portfolio performance, managing risk for our largest users while ensuring the best user experience on the platform. The 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 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. 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 technical teams - Risk Foundations, Engineering and Modeling (Data Science, ML’s).
• Understand our current credit controls and strategies to identify opportunities for improvement
• Deeply understand our performance metrics including loss trends and leading indicators
• Work closely with our core risk team to mitigate potential risks with specific users
• 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

• 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 cross-functionally across multiple teams and time zones
• Strong stakeholder management and prioritization skills
• Ability to thrive in an unstructured and fast-moving organization
• Strong technical expertise, including SQL, Excel and Google sheets
• Ability to quickly learn complex concepts and internal tooling
• Direct experience with modeling concepts across credit risk
• Self-starter who can work independently and can proactively identify gaps, create solutions and drive adoption and scale

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 working with machine learning teams
• Ability to communicate results clearly with a focus on driving impact

Hybrid work at Stripe

This role is available either in an office or a remote location (typically, 35+ miles or 56+ km from a Stripe office).

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.

A remote location, in most cases, is defined as being 35 miles (56 kilometers) or more from one of our offices. While you would be welcome to come into the office for team/business meetings, on-sites, meet-ups, and events, our expectation is you would regularly work from home rather than a Stripe office. Stripe does not cover the cost of relocating to a remote location. We encourage you to apply for roles that match the location where you currently or plan to live.

Pay and benefits

The annual salary range for this role in the primary location is C$124,000 - C$186,000. 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.