Credit Risk Strategy and Analytics

ABOUT THE ROLE We are seeking a highly skilled Credit Policy Architect to join the Capital team at Stripe. As a key member of this 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. WHAT YOU'LL DO As a Credit Policy Architect, you will be responsible for architecting and implementing credit policies based on Stripe's proprietary data and selected industry data to target, price, and size capital products. You will utilize your analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions. Your responsibilities will include: - Architecting and implementing credit policies based on Stripe's proprietary data and selected industry data to target, price, and size capital products - Utilizing your analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions - Collaborating with cross-functional teams, such as Product, Data Science, Engineering, and Capital Markets to shape new product development across different geographies and industries - Incorporating third-party data, including bureau, bank account, financial statements, and less traditional data, into our credit assessment - Analyzing account activity and monitoring portfolio trends to identify opportunities for Stripe to reduce potential credit losses - Helping scale risk processes by working with partners to design and optimize outsourced workflows WHAT YOU'LL NEED To be considered for this role, you should have a strong background in credit analysis and underwriting, with a minimum of 5 years of experience in this field. You should also have a Bachelor's degree in finance, economics, statistics, or a related field, as well as experience in risk management, financial lending, or core credit risk management function. Your analytical skills and ability to work with both internal and external stakeholders are essential for this role. WHY REMOTE At Stripe, we offer a flexible and remote work environment, allowing you to work from anywhere in the world. Our team is based in the US and Canada, and we are looking for someone who is able to thrive in an unstructured and fast-moving organization. BENEFITS - Competitive salary - Equity in Stripe - Flexible and remote work environment - Opportunity to work with a talented and passionate team - Access to cutting-edge technology and tools - Comprehensive health insurance - 401(k) matching - Flexible vacation policy