Dublin or London

Full time

Risk

Credit Risk Strategist, EMEA

Dublin or London

Full time

Risk

Stripe handles billions of dollars every year for businesses around the world, and the Risk team plays a critical role in the company’s financial and partnership health. As a credit risk strategist on the Commercial Business Risk team, you will be responsible for conducting detailed credit assessments to evaluate our larger users’ creditworthiness. Balancing risk and reward, you will make recommendations on whether any mitigations are necessary to protect Stripe while preserving a positive user experience. Being on the front lines of making onboarding decisions for some of our top merchants, you’ll be in a high-impact role that will require cross-functional partnership with Sales, Legal, and Finance.

You will:

  • Review financial statements and/or commercial credit tools to conduct detailed investigations into new merchants’ creditworthiness
  • Periodically review an individually allocated portfolio of existing large customers, to identify early signs of financial stress
  • Make recommendations on the supportability of merchants and whether any interventions are necessary to mitigate credit risk
  • Refine tools and practices to increase the efficiency of reviews, the accuracy of our decisions, and the quality of entrepreneurs’ experience
  • Work with internal and external partners to support entrepreneurs around the world

We’re looking for people who:

  • Have 4+ years of commercial credit underwriting experience conducting business cash-flow analysis and related credit analysis
  • Have comprehensive knowledge of accounting principles (GAAP) and comfort with reading and interpreting financial statements
  • Can think critically about complex problems, appropriately weight many factors and reach a definitive conclusion
  • Are efficient, and enjoy working in a fast-paced, high-volume environment.
  • Love writing, and can do so quickly and clearly
  • Have deep empathy for entrepreneurs starting a business, and are motivated to solve problems to empower them
  • Are persistent and thorough, willing to go the extra mile to understand specific cases and examine underlying causes
  • Are curious, decisive, understanding, and persistent

Nice to have:

  • Have gained credit risk experience at a merchant services or trade credit insurance provider
  • Fluency in French or German

You should included these in your application:

  • Include resume and LinkedIn profile
  • Whatever information you think would be most useful for us in understanding your background and accomplishments

Please find our EU applicant personal information notice here

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.

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