SMB Credit Risk Strategy and Analytics

Who we areAbout StripeStripe 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 TeamSMBs and Startups have capital needs that are not met by traditional lenders today. The process of applying for a bank loan is incredibly invasive and time consuming, taking up to 6+ weeks for average businesses. Stripe Capital leverages Stripe's existing relationships, data, and financial partnerships to provide access to fast financing that helps our users accelerate growth. Capital extends financing to Stripe users so that they can invest in marketing, team growth, geographic expansion, working capital, new equipment, and so much more. The team is based in the US and is composed of curious, driven, and analytical individuals who are passionate about using their skills to shape the future of Stripe. 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 doAs a key member of the Capital Risk 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. 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• 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.Who you areWe'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• 4+ years in consumer or small business 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.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.Hybrid work at StripeThis 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.Pay and benefitsThe 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.