Credit Risk Analyst Commercial Underwriter

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 Risk team is responsible for managing the credit risk generated by businesses processing payments on Stripe. The team combines commercial underwriting, portfolio management, analytics, and cross-functional partnership to protect Stripe from financial loss while enabling strong businesses to grow. The APAC Credit Risk team supports a diverse portfolio of businesses across the region. We partner closely with Sales, Legal, Treasury, Finance, Product, Operations, and other Risk teams to make sound, timely credit decisions and develop scalable approaches to managing risk.

What you’ll do

You will underwrite and manage a portfolio of Stripe’s largest and fastest-growing businesses across APAC. You will evaluate complex business models and financial information, develop clear credit recommendations, and identify mitigations that protect Stripe while supporting sustainable user growth.

Responsibilities

  • Underwrite and manage a portfolio of Stripe’s largest and fastest-growing businesses across APAC.
  • Evaluate business models, financial statements, cash-flow forecasts, transaction patterns, and other relevant information to assess credit risk.
  • Develop clear, data-driven credit recommendations and tailored risk mitigations that balance Stripe’s exposure with users’ ability to grow.
  • Build expertise across APAC industries, geographies, payment flows, and operating models, and apply this context to underwriting and portfolio decisions.
  • Provide credit insights that support onboarding, ongoing portfolio management, commercial decisions, and merchant-pricing analysis.
  • Conduct periodic and trigger-based reviews, identify changes in risk, and recommend timely actions to manage Stripe’s exposure.
  • Support the refinement of systems, tools, and processes to help the team deliver on key performance indicators, such as credit loss targets or portfolio coverage metrics.
  • Communicate credit decisions, risk considerations, and mitigation requirements clearly to internal stakeholders and to users, including CFOs and CEOs.
  • Partner with Sales, Legal, Treasury, Finance, Product, Engineering, Operations, and other Risk teams to resolve complex cases and improve Stripe’s credit-risk capabilities.
  • Identify recurring portfolio trends and underwriting gaps, and translate these insights into improvements to policies, controls, and decision frameworks.

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

  • 5+ years of relevant experience in commercial credit underwriting, financial-risk modeling, cash-flow forecasting, or portfolio credit risk.
  • A bachelor’s degree in Finance, Accounting, Economics, Statistics, or a related field, or equivalent practical experience.
  • Strong accounting knowledge and demonstrated ability to evaluate financial statements, cash flows, business models, and sources of repayment.
  • Ability to synthesize quantitative and qualitative information into a clear credit-risk narrative, approval rationale, and mitigation strategy.
  • Sound commercial judgment and the ability to balance financial-risk considerations with user growth and business objectives.
  • Strong written and verbal communication skills, including the ability to explain complex credit decisions to senior internal stakeholders and user executives.
  • Strong analytical and problem-solving skills, attention to detail, and the ability to manage competing priorities in a fast-paced environment.
  • Experience working cross-functionally with teams such as Sales, Legal, Treasury, Finance, Product, Operations, or Risk.
  • Empathy for entrepreneurs and a strong motivation to develop solutions that enable responsible business growth.

Preferred qualifications

  • Fluency in Mandarin as this role involves communications with users, stakeholder or clients in the Greater China region.
  • Experience underwriting businesses across multiple APAC markets, industries, or cross-border operating models.
  • Experience in payments, fintech, e-commerce, technology, or another fast-growing environment.
  • SQL experience and the ability to independently analyze portfolio or transaction-level data.
  • Strong data-visualization skills and experience developing portfolio monitoring or management reporting.
  • Experience improving underwriting policies, decision tools, risk controls, or portfolio-management processes.

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 SGD 118,400 - SGD 177,600. 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 benefits; and wellness stipends.

We look forward to hearing from you.

At Stripe, we're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Stripe, we welcome diverse perspectives and people who think rigorously and aren't afraid to challenge assumptions. Join us.

Apply now