How much experience is required?

At least 3 years of relevant experience for this Credit Risk Analyst, EMEA Underwriting role.

What seniority level is this role?

Stripe targets mid-level candidates for this position.

Is this full-time or contract?

Full-time for this Credit Risk Analyst, EMEA Underwriting role at Stripe.

Credit Risk Analyst, EMEA Underwriting at Stripe

Joblaze summary

In the role of Credit Risk Analyst for EMEA Underwriting at Stripe, the individual will assess and manage credit risk for a portfolio of high-growth businesses, ensuring that Stripe can support their expansion while minimizing financial exposure. Key skills include commercial credit underwriting, financial risk modeling, and a strong grasp of accounting principles, with an emphasis on transforming complex data into actionable insights. This position is ideal for someone with at least three years of relevant experience, particularly in fast-paced environments, who can effectively communicate with senior executives. The role is pivotal in supporting Stripe's mission to enhance the global econo

Joblaze insights

Listed today on Joblaze — tracked directly from Stripe's career page.
Stripe has 567 other open roles including Account Executive, Enterprise Platforms, Tier 2 Grower, Account Executive, Product Sales - Money Management ASEAN, Account Executive, Product Sales- Money Management ANZ.

Quick facts

How much experience is required?: At least 3 years of relevant experience for this Credit Risk Analyst, EMEA Underwriting role.
What seniority level is this role?: Stripe targets mid-level candidates for this position.
Is this full-time or contract?: Full-time for this Credit Risk Analyst, EMEA Underwriting role at Stripe.

From the original posting

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 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