Credit Risk Analyst, North American Underwriter

Role Overview

As a Credit Risk Analyst (North America Underwriter) on Stripe’s North America Strategy Risk team, you will underwrite and manage a portfolio of Stripe’s largest and fastest-growing businesses. The role focuses on facilitating Stripe’s growth objectives while minimizing credit risk, with high cross-functional impact.

Responsibilities

• Underwrite and partner with top merchants (from venture-backed startups to established institutions) by evaluating business models and financial statements.
• Provide tailored credit risk recommendations to mitigate Stripe’s exposure while enabling partner growth.
• Manage and develop deep understanding of risk across industries, geographies, and operating models.
• Deliver insights for senior management decisions, including onboarding strategies and merchant pricing analysis.
• Refine tools and processes to meet KPIs such as credit loss targets and portfolio coverage metrics.
• Collaborate with internal and external partners to support merchants globally.

Requirements

• 3+ years of relevant experience in commercial credit underwriting, financial risk modeling, and cash flow forecasting.
• Bachelor’s degree in Finance, Economics, Statistics, or related field.
• Strong understanding of accounting principles and ability to evaluate financial statements and business models across industries.
• Ability to translate business/financial data into clear credit risk narratives and mitigation strategies.
• Strong written, verbal, and analytical skills; high attention to detail and ability to prioritize in a fast-paced environment.
• Comfort interacting with CFOs and CEOs of top merchants.
• Deep empathy for entrepreneurs and motivation to solve problems.

Preferred Qualifications

• SQL expertise.
• Strong data visualization skills and passion for data/analysis.
• Experience in tech or other fast-paced, high-growth environments.