Responsibilities:

• Develop scalable methods to identify, measure, and control end-to-end risks across the user lifecycle, including credit and fraud risks.
• Proactively identify risk management opportunities and outline the strategy, translating complex requirements into technical specifications.
• Work closely with Product, Engineering, and Data Science teams to shape new product offerings and develop data-driven, globally scalable systems and processes.
• Become an expert on the global ecosystem of Stripe's products, integrations, tools, and partner requirements, and how those elements interact with payment risks.
• Develop strong internal relationships across partner teams and challenge the payments industry status quo to enable innovative businesses to flourish online.

Requirements:

• 5+ years of relevant experience with financial risk modeling.
• A builder's mindset with a willingness to question assumptions and conventional wisdom.
• Analytical skills, with expertise in data analysis, modeling, and framing business decisions and tradeoffs effectively through quantitative analysis and visualization.
• Collaborative skills, with the ability to work effectively across teams and build strong working relationships.
• Decisive, yet open to learning, with the ability to make critical decisions and quickly learn and iterate from experiences.
• Experience with SQL required.
• Bachelor's degree in Economics, Statistics, Computer Science, Engineering, or other quantitative or related field.

XML job scraping automation by YubHub

The credit risk operations team is responsible for conducting credit risk assessments, underwriting small and mid-size users, and proposing mitigation strategies that enable Stripe to take smart risks for our users.

Responsibilities:

• Work with merchants to evaluate their business models and financial statements
• Help manage Stripe's portfolio by developing a deep understanding of risk across industries, geographies, and operating models
• Identify differing risks of complex business models and enforce appropriate loss mitigation actions based on your assessment
• Utilize analytics to optimize strategies which can be enforced across Stripe's portfolio
• Identify risk factors and trends and further report these identifiers to the wider risk team to ensure consistency in partnership
• Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements

Requirements:

• A minimum of 1+ years of experience with knowledge of commercial credit underwriting, financial risk modeling and cash flow forecasting
• Ability to transform business and financial data into a cohesive narrative that outlines potential credit risks
• Strong knowledge of accounting principles and comfort with evaluating financial statements and business models across a range of industries
• Analytical thinking and problem solving skills
• Process-oriented mindset and ability to get things done
• Ability to prioritize and enjoy working in a quick-moving environment
• Humble and proven track record for working well across teams and with external partners

Preferred qualifications include proficiency in SQL or other data analysis tools and the ability and desire to challenge the status quo.

XML job scraping automation by YubHub

Responsibilities:

• Work directly with our top merchants 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 senior management decisions, ranging from onboarding strategies to merchant pricing analysis
• Support the refinement of tools and processes to help the team deliver on key performance indicators, such as credit loss targets or portfolio coverage metrics
• Work with internal and external partners to support merchants around the world

Requirements:

• 3+ years of relevant experience with knowledge of commercial credit underwriting, financial risk modeling, and cash flow forecasting
• Bachelor's degree in Finance, Economics, Statistics, or other related fields
• Strong knowledge of accounting principles and comfort evaluating financial statements and business models across a range of industries
• Ability to transform business and financial data into cohesive narratives that outline potential credit risks and present dynamic mitigation strategies
• Strong written, verbal, and analytical skills
• Attention to detail while managing priorities in a fast-paced environment
• 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

Preferred Qualifications:

• Strong technical expertise, including demonstrated experience with SQL
• Strong data visualization skills and a passion for data and analysis
• Experience working in tech, or other fast-paced, high-growth environments

XML job scraping automation by YubHub