Portfolio Oversight & Analytics Manager, Stripe Capital

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 Policy & Portfolio Management team is responsible for overseeing the credit risk of Stripe's portfolio - focusing on Stripe's lending products. The team is based in North America 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 treasury, engineering, data science, product, and servicing teams to 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 Policy & Portfolio Management team, you will have the opportunity to shape the future of Stripe's credit policy by driving meaningful changes to the risk and underwriting framework. You will leverage Stripe's vast data assets to formulate your recommendations and work closely with our first line team to ensure we are optimizing our strategies through various economic conditions. We are a small and lean team, which means you will have the autonomy and the responsibility to shape the roadmap.

Responsibilities

• Analyze model performance and monitor portfolio trends, including market and macroeconomic trends, to identify opportunities for Stripe to reduce potential credit losses
• Quantify and clearly convey the outcomes and organizational value of data-driven insights to a diverse range of interested parties, from team members to executive management
• Function as a second line to ensure we are conforming to our credit standards and partner obligations
• Coordinate and lead stakeholder meetings to pinpoint areas for enhancing the efficiency and effectiveness of operational processes
• Collaborate with cross-functional stakeholders such as Treasury, Accounting, Product, Data Science, Engineering, and Capital Markets to shape new product development
• Help scale risk processes by working with partners to design and optimize outsourced workflows, including facilitating stakeholder sessions for process improvement
• Write data queries and build clear data dashboards to evaluate portfolio performance

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

• Advanced degree in statistics, economics, decision science, or a related field, with a strong emphasis on quantitative analysis and data-driven decision-making.
• Proven experience (7+ years) in portfolio management, risk management, audit or lending within the financial services industry
• Strong analytical, quantitative, and problem-solving abilities, with a rigorous, data-driven approach
• Proficient at writing complex and efficient SQL queries and spreadsheet tools (e.g., Excel, Google Sheets), with experience building data queries and dashboards
• Demonstrated ability to collaborate effectively with cross-functional stakeholders and manage deliverables in a fast-paced, unstructured environment
• Ability to manage multiple stakeholders and work in a complex environment

Preferred qualifications

• Experience with advanced statistical methods
• Programming experience i.e. Python, Ruby, Java
• Superior communication and relationship management skills, with experience in data storytelling
• Experience with credit scoring models
• Experience with stress testing requirements and methodologies including CCAR and DFAST

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.