Credit Risk Analyst - Commercial Underwriter; West Coast

# Credit Risk Analyst - Commercial Underwriter (West Coast)
Salary not disclosed

San Francisco, California
· Los Angeles, California
· Seattle, Washington
** 5+
** yrs experience
** 166
* * views

Actively hiring

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Job type:
Full Time Work mode:
Remote

Experience:

5+ years

Salary:
Not disclosed

Function:
Credit Analyst Locations:
San Francisco, California
· Los Angeles, California
· Seattle, Washington Overview Requirements Company FAQ ## Job description## About Stripe Stripe is a financial infrastructure platform empowering businesses worldwide. From global enterprises to ambitious startups, millions leverage Stripe to process payments, boost revenue, and unlock new business opportunities. Our mission is to increase the GDP of the internet, offering an unparalleled chance to make the global economy accessible to everyone while undertaking career-defining work.##

About the Role As a Credit Risk Analyst and Commercial Underwriter on the North America Strategy Risk team, you will be instrumental in managing and underwriting a portfolio of Stripe's largest and fastest-growing businesses. Your primary focus will be to facilitate growth objectives while meticulously mitigating credit risk. This high-impact role demands strong collaboration with Sales, Legal, Treasury, and Finance teams.

This position is aligned with West Coast hours, with a strong preference for candidates located in the Pacific time zone.### Responsibilities
* Directly engage with top merchants, ranging from venture-backed startups to established institutions, to assess their business models and financial health.
* Develop tailored credit risk recommendations that effectively mitigate Stripe's exposure while supporting partner company growth.
* Manage the credit portfolio by cultivating a deep understanding of risks across various industries, geographies, and operating models.
* Provide critical insights to senior management to inform decisions on onboarding strategies, merchant pricing, and other key initiatives.
* Contribute to the refinement of tools and processes to ensure the team meets key performance indicators, such as credit loss targets and portfolio coverage metrics.
* Collaborate with internal and external partners to support merchants globally.## Requirements
10 skills

Must have Business Model Evaluation Cash Flow Forecasting Commercial Underwriting Credit Risk Analysis Data Analysis Data Visualization Financial Risk Modeling Financial Statement Analysis Risk Mitigation SQL### What you’ll need
* 5+ years of relevant experience in commercial credit underwriting, financial risk modeling, and cash flow forecasting.
* Bachelor's degree in Finance, Economics, Statistics, or a related field.
* Strong understanding of accounting principles and proficiency in evaluating financial statements and business models across diverse industries.
* Ability to translate complex business and financial data into clear narratives, identifying potential credit risks and proposing dynamic mitigation strategies.
* Excellent written, verbal, and problem-solving skills.
* Meticulous attention to detail while managing multiple priorities in a fast-paced environment.
* Comfortable interacting with CFOs and CEOs of top-tier merchants.
* Deep empathy for entrepreneurs and a strong motivation to help them succeed.
* Preferred:
Strong technical expertise, including demonstrated experience with SQL.
* Preferred:
Strong data visualization skills and a passion for data analysis.
* Preferred:
Experience in the tech industry or other fast-paced, high-growth environments.