Strategic Credit Risk Expert
hace 1 semana
Stripe is a leading financial infrastructure platform for businesses worldwide. We empower millions of companies to accept payments, grow their revenue, and unlock new business opportunities.
We're on a mission to increase the global economy's GDP by making financial services more accessible and efficient. This requires our teams to be at the forefront of innovation, driving growth while minimizing risk.
The RoleWe're seeking a highly skilled Strategic Credit Risk Expert to join our team in Credit Operations. As a key member of our organization, you will play a critical role in ensuring the financial health of businesses around the world.
Your primary responsibility will be to conduct credit risk assessments, underwriting small, medium, and large users, and proposing mitigation strategies that enable us to take calculated risks for our users.
This is an excellent opportunity to apply your analytical skills and expertise in commercial credit underwriting, financial risk modeling, and cash flow forecasting to drive business growth while minimizing risk.
Responsibilities- Evaluate business models and financial statements for merchants, from successful venture-backed startups to well-established institutions.
- Develop a deep understanding of risk across industries, geographies, and operating models to manage Stripe's portfolio effectively.
- Identify differing risks of complex business models and enforce appropriate loss mitigation actions based on your assessment.
- Utilize analytics to optimize strategies that can be enforced across Stripe's portfolio.
- Identify risk factors and trends and report these identifiers to the wider risk team to ensure consistency in partnership.
- Recommend enhancements and process improvements to current systems, policies, and strategies.
To be considered for this role, you should have:
- A minimum of 2+ years of experience in commercial credit underwriting, financial risk modeling, and cash flow forecasting.
- Business-level proficiency in written and spoken English.
- The ability to transform business and financial data into a cohesive narrative outlining potential credit risks.
- Strong knowledge of accounting principles and comfort evaluating financial statements and business models across various industries.
- Excellent analytical thinking and problem-solving skills.
- A process-oriented mindset and ability to get things done efficiently.
- Experience working in an office environment with strong cross-team collaboration and support.
- Prioritization and adaptability in a fast-paced environment.
- Humble and proven track record of working well across teams and with external partners.
- Degree or diploma in Finance or Accounting.
- Experience in payments, e-commerce, or fintech mitigating credit risk.
As a member of our team, you are expected to spend at least 50% of your time in a given month in your local office or with users. However, some teams may require greater in-office attendance depending on their specific needs.
Pay and BenefitsWe offer a competitive salary range of $120,000 - $180,000 per year, depending on location and experience. Additionally, we provide a comprehensive benefits package, including medical, dental, and vision insurance, as well as 401(k) matching and paid time off.
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