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

Risk Foundations is a small, high-leverage team with a mandate to maximize Stripe’s enterprise value by managing risk across the user lifecycle. Whether we’re evaluating net-new opportunity areas, investigating existential threats, or finding ways to unlock value in the existing business, we approach problems with rigor, nuance, and intellectual humility. If you are excited to shape the infrastructure that powers safe, sustainable growth for millions of businesses, we encourage you to apply!

What you’ll do

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 success. As a Strategist on the Risk Foundations team, you will help manage a rapidly growing merchant portfolio by guiding Stripe’s credit strategy and devising growth-friendly solutions that reduce overall credit risk. This is a high impact role that involves cross-functional partnership with Data Science, Engineering, Product, and Operations.

Responsibilities

• Develop scalable methods to identify, measure, and control end-to-end risks (including Credit and Fraud) across the user lifecycle: this will involve identifying and shaping crucial risk management systems including in-product and back-end controls, use of external risk assessment tools, and implementation of rule-based and model-based detection systems
• Proactively identify risk management opportunities, outline the strategy and translate complex requirements into technical specifications, which may include shipping code to enable rapid iteration of risk strategy
• Work closely with Product, Engineering, and Data Science teams to shape new product offerings and develop data-driven, globally scalable systems and processes that combine strong risk management fundamentals with seamless user experiences.
• Become an expert on the global ecosystem of Stripe’s products, integrations, tools, and partner requirements, and how those elements interact with payment risks
• Develop strong internal relationships across partner teams (Data Science, Product, Engineering, Treasury, Sales, Operations, and Finance)
• Challenge the payments industry status quo to help enable innovative businesses to flourish online
  

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 with financial risk modeling
• A builder’s mindset with a willingness to question assumptions and conventional wisdom
• Analytical: You are well versed in data analysis, modeling, and can frame business decisions and tradeoffs effectively through quantitative analysis and visualization
• Collaborative: Ability to work effectively across teams, building strong working relationships in order to successfully execute on shared deliverables
• Decisive, yet open to learning: you will make many critical decisions every day impacting large numbers of merchants. You are willing to make these difficult decisions and quickly learn and iterate from these experiences.  
• Understanding and empathetic to the challenges of setting up a new business: You will thoughtfully balance scaled enforcement decisions with user experience.
• An enthusiastic “roll up your sleeves” mentality
• Experience with SQL required
• Bachelor’s degree in Economics, Statistics, Computer Science, Engineering or other quantitative or related field
  

Preferred qualifications

• Experience with Python
• Demonstrated experience working in fast paced highly ambiguous environments
• Familiarity with LLM agents and how they can augment risk management practices

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

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 team protects Stripe by managing the end-to-end risk of our largest and most complex users. 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 is to enable Stripe’s growth by making confident, calibrated decisions on our highest-exposure users.

What you’ll do

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 success. As a Credit Analyst Underwriter on the North America Strategy Risk team, you will underwrite and manage a portfolio of our largest and fastest growing businesses in order to facilitate Stripe’s growth objectives while minimizing Stripe’s credit risk. This is a high impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance.

Responsibilities

• Work directly with our top merchants, from successful venture-backed startups to well established institutions, to evaluate their business models and financial statements
• Provide tailored credit risk recommendations that mitigate Stripe’s exposure, while facilitating partner company growth
• Help manage the portfolio by developing a deep understanding of risk across industries, geographies, and operating models
• Deliver insights to support senior management decisions, ranging from onboarding strategies to merchant pricing analysis 
• Support the refinement of tools and processes to help the team deliver on key performance indicators, such as credit loss targets or portfolio coverage metrics
• Work with internal and external partners to support merchants around the world

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

• 3+ years of relevant experience with knowledge of commercial credit underwriting, financial risk modeling, and cash flow forecasting
• Bachelor’s degree in Finance, Economics, Statistics, or other related fields 
• Strong knowledge of accounting principles and comfort evaluating financial statements and business models across a range of industries
• Ability to transform business and financial data into cohesive narratives that outline potential credit risks and present dynamic mitigation strategies
• Strong written, verbal, and analytical skills
• Attention to detail while managing priorities in a fast-paced environment
• Ability to comfortably interact with the CFOs and CEOs of our top merchants
• Deep empathy for entrepreneurs running a business, and are motivated to solve problems to empower them

Preferred qualifications

• Strong technical expertise, including demonstrated experience with SQL
• Strong data visualization skills and a passion for data and analysis
• Experience working in tech, or other fast-paced, high-growth environments