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 Small Business Risk team is responsible for managing the end-to-end risk credit strategy for small-medium size business processing payments on Stripe. We are responsible for developing innovative and tailored strategies to minimize risk while ensuring the best user experience on the platform. The North America based-team 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 engineering, data science, product, and servicing teams to leverage existing platforms, integrate industry best practices, and develop novel solutions to evaluate and 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 Small Business Risk team, you will have the opportunity to shape the future of Stripe's credit policy by driving meaningful changes to the risk framework. You will leverage Stripe's vast data assets to formulate your recommendations and work closely with our partners and, where applicable, leverage third-party data. We are a small and lean team, which means you will have the autonomy and the responsibility to manage end-to-end risk initiatives.

Responsibilities

Leverage analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions.
Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses.
Collaborate with our modeling team (Data Science, ML’s) to calibrate and deploy models to target risky sub-populations.
Leverage third-party data, including bureau, bank account, financial statements, and less traditional data, in our credit assessment.
Collaborate with cross-functional teams, such as Product, Data Science, and Engineering, to tailor credit risk management techniques to shape new products and operate in different geographies and industries.
Lead cross-functional projects, manage timelines and deliverables, and effectively coordinate with various stakeholders to ensure alignment and successful implementation of credit risk initiatives.

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

3-5 years of experience in credit analysis and underwriting
Bachelor's degree in finance, economics, statistics, or a related field
Experience in small business or credit risk management and/or financial lending
Strong analytical skills and a rigorous, data-driven approach to problem-solving
Experience working with both internal and external stakeholders and the ability to closely manage expectations and deliverables in a timely manner
Ability to thrive in an unstructured and fast-moving organization
Strong technical expertise, including SQL, excel, google sheets
Self-starter who can work independently

Preferred qualifications

Experience with quantitative tools such as Python, R, or Stata
Master's degree in finance, economics, statistics, or a related field.
Superior communication and relationship management skills
Experience with credit scoring models.
Experience working with machine learning teams
Ability to communicate results clearly with a focus on driving impact.

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.

The annual US base salary range for this role is $138,800 - $208,300. 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 location. Applicants interested in this role and who are not located in the US may request the annual salary range for their location during the interview process.

Additional benefits for this role may include: equity, company bonus or sales commissions/bonuses; 401(k) plan; medical, dental, and vision benefits; and wellness stipends.

Office locations

Toronto, or New York

Remote locations

Remote in United States

Team

Risk

Job type

Full time

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