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Benefits University See open roles Close mobile navigation Roles at Stripe Role details Credit Risk Analyst, EMEA Underwriting
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 In-office expectations Office-assigned Stripes in most of our locations are currently expected to spend at least 50% of the time in a given month in their local office or with users. This expectation may vary depending on role, team and location. For example, Stripes in Stripe Delivery Center roles in Mexico City, Mexico, Bengaluru, India, and Dublin, Ireland work 100% from the office. Also, some teams have greater in-office attendance
requirements, to appropriately support our users and workflows, which the hiring manager will discuss. This approach helps strike a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility when possible. Pay and
benefits The annual salary range for this role in the primary location is €71,200 - €106,800. This range may change if you are hired in another location. 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 specific location. Applicants interested in this role and who are not located in the primary location may request the annual salary range for their location during the interview process. Specific
benefits and details about what
compensation is included in the salary range listed above will vary depending on the applicant’s location and can be discussed in more detail during the interview process.
Benefits/additional
compensation for this role may include: equity, company
bonus or sales commissions/bonuses; retirement plans; health
Launched out of Y Combinator’s 2009 Summer batch, Stripe is a global technology company that builds economic infrastructure for the internet. Businesses of every size—from new startups to public companies—use our software to accept payments and manage their businesses online Stripe is a proud partner of YC companies—from Airbnb (S09) to Defog (W23)—to help them grow their businesses and increase the GDP of the internet.
