• 4+ years of experience in credit analysis and underwriting
• Strong technical expertise, including SQL, excel, google sheets
• Experience in risk management, financial lending, or core credit risk management function
• 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
• Bachelor's degree in finance, economics, statistics, or a related field

Desirable

• The Capital team is responsible for managing the end-to-end risk strategy for Stripe's lending product
• As a key member of the Capital team, you will have the opportunity to shape the future of Stripe's credit policy by driving meaningful changes to the risk and underwriting framework
• 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
• Architect and implement credit policies based on Stripe's proprietary data and selected industry data to target, price, and size capital products
• Utilize your analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions
• Collaborate with cross-functional teams, such as Product, Data Science, Engineering, and Capital Markets to shape new product development across different geographies and industries
• Incorporate third-party data, including bureau, bank account, financial statements, and less traditional data, into our credit assessment
• Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses
• Help scale risk processes by working with partners to design and optimize outsourced workflows