Credit Risk Analyst, North American Underwriter

Stripe
Toronto
Workplace: HybridFull timeFunction: Banking, Lending & CreditExperience: 3+ yearsEducation: bachelorsSkills: ["Analytical","Communication","Problem-solving","Attention to detail","Stakeholder management"]

The Credit Risk Analyst, North American Underwriter evaluates and underwrites a portfolio of Stripe’s largest and fastest growing merchants, translating business and financial data into risk assessments and tailored mitigation strategies. You’ll collaborate cross-functionally with Sales, Legal, Treasury, and Finance to balance Stripe’s growth objectives with credit risk, and support portfolio insights and process improvements.

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Stripe
Stripe
6 months ago

Credit Risk Analyst, North American Underwriter

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Job Summary

The Credit Risk Analyst, North American Underwriter evaluates and underwrites a portfolio of Stripe’s largest and fastest growing merchants, translating business and financial data into risk assessments and tailored mitigation strategies. You’ll collaborate cross-functionally with Sales, Legal, Treasury, and Finance to balance Stripe’s growth objectives with credit risk, and support portfolio insights and process improvements.
Location: Toronto
Workplace: Hybrid
Employment Type: Full time
Job Function: Banking, Lending & Credit

Key Responsibilities

  • •Work directly with top merchants to evaluate business models and financial statements
  • •Provide tailored credit risk recommendations to mitigate Stripe’s exposure while enabling partner growth
  • •Develop deep understanding of risk across industries, geographies, and operating models
  • •Deliver insights to support senior management decisions on onboarding strategies and pricing
  • •Support refinement of tools and processes to improve credit loss targets and portfolio coverage metrics

Key Requirements

  • •3+ years of experience in commercial credit underwriting, financial risk modeling, and cash flow forecasting
  • •Bachelor’s degree in Finance, Economics, Statistics, or related field
  • •Strong knowledge of accounting principles and ability to evaluate financial statements across industries
  • •Ability to transform data into narratives outlining potential credit risks and mitigation strategies
  • •Strong written, verbal, and analytical skills
Experience:3+ yearsFintechPaymentsFinancial services
Education:Bachelor's
Skills:AnalyticalCommunicationProblem-solvingAttention to detailStakeholder management
Languages:English
Tech Stack:SQLData visualizationAnalytics

Company Brief

Stripe
Provides payment processing APIs and financial infrastructure for internet businesses. Powers online payments for millions of companies from startups to Fortune 500s.
Industry: Payments
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Scaleup
Valuation: Decacorn (USD 10B+)
Funding: Series E+
Headquarters: San Francisco, United States
Founded: 2010
Glassdoor
Glassdoor: 4.2
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