商业信贷风险分析师兼核保人，西海岸
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Credit Risk Analyst Commercial Underwriter, West CoastStripe · Chicago, US-Remote, Canada-Remote
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职位描述
机器翻译我们是谁
关于 Stripe
Stripe 是一个面向企业的金融基础设施平台。数百万家公司——从全球最大的企业到最有抱负的初创公司——都在使用 Stripe 来接受付款、增长收入并加速新的商业机会。我们的使命是提升互联网的 GDP，而我们面前还有大量工作要做。这意味着你拥有一个前所未有的机会，在从事你职业生涯中最重要工作的同时，让全球经济触手可及。
关于团队
信用团队通过管理我们最大、最复杂用户的端到端风险来保护 Stripe。我们利用深厚的承保专业知识和数据驱动的压力启发式方法，在用户生命周期的每个阶段——从入驻到损失回收——做出明智决策。我们的目标是通过对我们风险敞口最高的用户做出自信且经过校准的决策，来推动 Stripe 的增长。
你将做什么
Stripe 每年为世界各地的企业处理数十亿美元，风险团队在公司的财务和合作伙伴关系成功中发挥着关键作用。作为北美战略风险团队的信用风险分析师商业承保人，你将承保并管理我们最大且增长最快的企业组合，以推动增长目标，同时将信用风险降至最低。这是一个高影响力的职位，需要与销售、法务、资金和财务团队进行强有力的跨职能合作。
该职位被分配
岗位职责
Stripe 每年为世界各地的企业处理数十亿美元，风险团队在公司的财务和合作伙伴关系成功中发挥着关键作用。作为北美战略风险团队的信用风险分析师商业承保人，你将承保并管理我们最大且增长最快的企业组合，以推动增长目标，同时将信用风险降至最低。这是一个高影响力的职位，需要与销售、法务、资金和财务团队进行强有力的跨职能合作。
该职位被分配为西海岸工作时间，高度优先考虑太平洋时区的候选人。
• 直接与我们最重要的商户合作，从成功的风险投资支持的初创公司到成熟机构，评估其商业模式和财务报表
• 提供量身定制的信用风险建议，以降低 Stripe 的风险敞口，同时促进合作公司增长
• 通过深入理解跨行业、跨地区和跨运营模式的风险，帮助管理该组合
• 提供洞察以支持高级管理层决策，范围从入驻策略到商户定价分析
• 支持工具和流程的优化，帮助团队实现关键绩效指标，例如信用损失目标或组合覆盖率指标
• 与内部和外部合作伙伴合作，支持世界各地的商户
任职要求
我们正在寻找符合该职位最低要求的人选。如果你符合这些要求，我们鼓励你申请。优先资格是加分项，而非要求。
最低要求
• 5 年以上相关经验，具备商业信用承保、金融风险建模和现金流预测知识
• 金融、经济、统计或其他相关领域的学士学位
• 对会计原则有扎实了解，并能轻松评估各行业的财务报表和商业模式
• 能够将业务和财务数据转化为连贯的叙述，概述潜在信用风险并提出动态缓解策略
• 出色的书面、口头和问题解决能力
• 在快节奏环境中管理优先事项时注重细节
• 能够自如地与我们最重要商户的 CFO 和 CEO 互动
• 对经营企业的创业者有深切同理心，并有解决问题的动力以赋能他们
• 强大的技术专长，包括已证明的 SQL 经验
• 强大的数据可视化技能以及对数据和分析的热情
以上内容由机器翻译自动生成，可能存在错误；投递前请以雇主原文为准。
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职位描述
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 Risk Analyst Commercial Underwriter on the North America Strategy Risk team, you'll underwrite and manage a portfolio of our largest and fastest-growing businesses to facilitate growth objectives while minimizing credit risk. This is a high-impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance.
This role is assig
岗位职责
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 Risk Analyst Commercial Underwriter on the North America Strategy Risk team, you'll underwrite and manage a portfolio of our largest and fastest-growing businesses to facilitate growth objectives while minimizing credit risk. This is a high-impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance.
This role is assigned to West Coast hours, with a high preference for candidates in the Pacific time zone.
• 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 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
任职要求
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 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 problem-solving 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 motivation to solve problems to empower them
• Strong technical expertise, including demonstrated experience with SQL
• Strong data visualization skills and a passion for data and analysis