信用风险分析师，北美承保人
Credit Risk Analyst, North American Underwriter
我们是谁
关于 Stripe
Stripe 是一家面向企业的金融基础设施平台。数以百万计的公司——从全球最大的企业到最具雄心的初创公司——都使用 Stripe 来接受支付、增长收入并加速新的商业机会。我们的使命是提升互联网的 GDP，而我们面前还有大量工作要做。这意味着你将有机会在职业生涯中从事最重要的工作，同时让全球经济触手可及。
关于团队
信用团队通过管理我们最大和最复杂的用户端到端风险来保护 Stripe。我们利用深入的承销专业知识和数据驱动的压力启发式方法，在用户生命周期的每个阶段——从注册到损失回收——做出明智的决策。我们的目标是通过在高风险用户上做出自信且经过校准的决策，推动 Stripe 的增长。
你会做什么
Stripe 每年为全球的企业处理数十亿美元的交易，风险团队在公司的财务和合作成功中扮演着关键角色。作为北美战略风险团队的信用分析师承销员，你将对我们的最大和增长最快的业务组合进行承销和管理，以促进 Stripe 的增长目标，同时最小化 Stripe 的信用风险。这是一个影响深远的职位，需要与销售、法律、资金和财务部门进行强有力的跨职能合作。
职责
- 直接与我们的顶级商户合作，包括成功的风险投资支持的初创公司和成熟的机构，评估他们的商业模式和财务报表。
- 提供定制的信用风险建议，以降低 Stripe 的风险敞口，同时促进合作伙伴公司的增长。
- 通过深入了解不同行业、地区和运营模式中的风险，帮助管理组合。
- 提供见解以支持高级管理层的决策，从注册策略到商户定价分析。
- 支持工具和流程的优化，以帮助团队实现关键绩效指标，如信用损失目标或组合覆盖指标。
- 与内部和外部合作伙伴合作，支持全球商户。
你是谁
我们寻找符合该职位最低要求的人选。如果你满足这些要求，我们鼓励你申请。首选资格是
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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 Credit team protects Stripe by managing the end-to-end risk of our largest and most complex users. We leverage deep underwriting expertise and data-driven stress heuristics to make informed decisions at every stage of the user lifecycle—from onboarding to loss recovery. Our goal is to enable Stripe’s growth by making confident, calibrated decisions on our highest-exposure users.
What you’ll do
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 Analyst Underwriter on the North America Strategy Risk team, you will underwrite and manage a portfolio of our largest and fastest growing businesses in order to facilitate Stripe’s growth objectives while minimizing Stripe’s credit risk. This is a high impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance.
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 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.
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
- 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 motivation 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