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Credit Risk Strategy Manager

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

What we do: The Credit Risk Strategy protects Stripe by managing the end-to-end credit risk of our largest and most complex users. 

How we do it: We leverage deep underwriting expertise and data-driven stress heuristics to make informed decisions at every stage of the user lifecycle—from onboarding to loss recovery. Our Goal: Enabling Stripe’s growth by making confident, calibrated decisions on our highest-exposure users.

What you’ll do: As the Manager of the APAC Credit Risk Strategy Team, you will lead a group of high-performing and tenured underwriters/Credit Strategists responsible for Stripe’s most significant financial exposures. You aren't just managing a queue; you are building the framework that allows Stripe to say "yes" to complex, multi-billion dollar businesses while keeping our balance sheet secure.

 

Responsibilities

  • Lead a Specialized Team: Coach and mentor a world-class team of commercial underwriters and Credit Strategists. You’ll be responsible for their professional growth and for fostering a culture of rigorous, data-driven credit judgment.
  • Own the E2E Credit Risk Lifecycle: Oversee the team’s execution across all critical decision points—from high-stakes New User Onboarding and Contract Negotiations to Reactive Stress Reviews and Loss Recovery.
  • Strategic Stakeholder Partnership: Act as a key advisor to Sales, Risk Strategy, Risk Policy and Bank Partners. You will navigate complex Bank Concurrences and Waivers, ensuring our risk appetite aligns with both internal goals and external partner requirements.
  • Drive Operational Excellence: Work closely with our Credit Ops and SDC teams to implement efficient and effective review processes while providing constructive feedback to improve procedures. You will identify gaps in our current processes and build the organizational infrastructure needed to support Stripe’s evolving product suite.
  • High-Stakes Decisioning: Serve as an escalation point for ad-hoc credit reviews and referrals, making informed judgments on Stripe’s largest and riskiest users during volatile market conditions or incidents.
  • Systems Thinking: Deeply understand our performance metrics including loss trends and leading indicators. Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses. Understand our current credit controls and strategies to identify opportunities for improvement. Work closely with our core risk team to mitigate potential risks with specific users.

 

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

  • A coach and mentor dedicated to nurturing talent and helping team members perform at their best
  • 12+ years experience in commercial underwriting and/or financial analysis across multiple geographies in APAC
  • Has comprehensive knowledge of accounting principles (GAAP & IFRS), financial analysis, cash flow analysis, and comfort with reading and interpreting financial statements
  • Ability to comfortably interact with the CFOs and CEOs of our top merchants
  • Strong collaboration, communication, and relationship building skills, with an ability to influence stakeholders across organizations and borders
  • Experience recruiting, developing, and managing diverse and high-performing teams
  • Decisive, yet open to learning: you will make many critical decisions every day, even with the knowledge that you will be wrong some of the time
  • Excellent communicator who is able to convey complex ideas succinctly
  • Experience working cross-functionally across multiple teams and time zones

Preferred qualifications

  • Strong data visualization skills and a willingness to use data and AI tools to analyze and make decisions on the portfolio
  • Experienced working in tech, or in another fast-paced, high-growth environment
  • Experience working with Greater China merchants as this individual will be working with merchants based in the Greater China region
  • Experience working in a matrix org structure
  • Experience working with Engineering, Product and Ops teams

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 S$220,000 - S$330,000. 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.

Office locations

Singapore

Team

Risk & Financial Crimes

Job type

Full time

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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.