信用风险策略与分析
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Credit Risk Strategy and AnalyticsStripe · 加拿大
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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雄心的初创公司——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，在你职业生涯中最重要的工作中，你将拥有一个前所未有的机会，让全球经济触手可及。
关于团队
Capital 团队负责管理 Stripe 借贷产品的端到端风险策略。该团队位于美国和加拿大，由充满好奇心、自驱力强且善于分析的人组成，他们热衷于运用自己的技能塑造 Stripe 的未来。我们与 Stripe 的工程、数据科学、产品和服务团队紧密合作，以利用现有平台、整合行业最佳实践，并开发创新解决方案来评估和管理信用风险。如果你有兴趣加入一个快速成长的组织，并运用你的经验塑造 Stripe 的未来，我们鼓励你申请。
你将做什么
作为 Capital 团队的重要成员，你将有机会通过推动风险与承销框架的有意义变革，塑造 Stripe 信用政策的未来。你将利用 Stripe 庞大的数据资产来制定你的建议，并与我们的合作伙伴紧密合作，并在适用的情况下利用第三方
岗位职责
作为 Capital 团队的重要成员，你将有机会通过推动风险与承销框架的有意义变革，塑造 Stripe 信用政策的未来。你将利用 Stripe 庞大的数据资产来制定你的建议，并与我们的合作伙伴紧密合作，并在适用的情况下利用第三方数据。我们是一个小而精干的团队，这意味着你将拥有自主权和责任，来管理端到端的风险计划。
• 基于 Stripe 的专有数据和选定的行业数据，设计并实施信用政策，以确定资本产品的目标客户、定价和规模。
• 运用你的分析和技术能力，提供信用风险建议、输出洞察，并支持战略性业务决策。
• 与产品、数据科学、工程和资本市场等跨职能团队合作，在不同地区和行业塑造新产品开发。
• 将第三方数据，包括征信机构、银行账户、财务报表以及较不传统的数据，纳入我们的信用评估。
• 分析账户活动并监控组合趋势，以识别 Stripe 降低潜在信用损失的机会。
• 与合作伙伴合作设计和优化外包工作流程，帮助扩展风险流程。
任职要求
我们正在寻找满足该职位最低要求的人选。如果你满足这些要求，我们鼓励你申请。优先资格是加分项，而非必需条件。
最低要求
• 5 年以上信用分析和承销经验。
• 金融、经济、统计或相关领域的学士学位。
• 在风险管理、金融借贷或核心信用风险管理职能方面的经验。
• 较强的分析能力，以及严谨、数据驱动的问题解决方法。
• 有与内部和外部利益相关者合作的经验，并能够及时密切地管理期望和交付成果。
• 能够在非结构化且快速变化的环境中茁壮成长。
• 较强的技术专长，包括 SQL、excel、google sheets。
• 能够独立工作的自我驱动者。
• 有使用 Python、R 或 Stata 等定量工具的经验。
• 金融、经济、统计或相关领域的硕士学位。
• 卓越的沟通和关系管理能力。
• 能够清晰地传达结果，并专注于推动影响力。
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 Capital team is responsible for managing the end-to-end risk strategy for Stripe's lending product. The team is based in the US and Canada, and is composed of curious, driven, and analytical individuals who are passionate about using their skills to shape the future of Stripe. We partner closely with Stripe's engineering, data science, product, and servicing teams to leverage existing platforms, integrate industry best practices, and develop novel solutions to evaluate and manage credit risk. If you are interested in joining a fast-growing organization and applying your experience to shape the future of Stripe, we encourage you to apply.
What you’ll do
As a key member of the Capital team, you will have the opportunity to shape the future of Stripe's credit policy by driving meaningful changes to the risk and underwriting framework. You will leverage Stripe's vast data assets to formulate your recommendations and work closely with our partners and, where applicable, leverage third-pa
岗位职责
As a key member of the Capital team, you will have the opportunity to shape the future of Stripe's credit policy by driving meaningful changes to the risk and underwriting framework. You will leverage Stripe's vast data assets to formulate your recommendations and work closely with our partners and, where applicable, leverage third-party data. We are a small and lean team, which means you will have the autonomy and the responsibility to manage end-to-end risk initiatives.
• Architect and implement credit policies based on Stripe's proprietary data and selected industry data to target, price, and size capital products.
• Utilize your analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions.
• Collaborate with cross-functional teams, such as Product, Data Science, Engineering, and Capital Markets to shape new product development across different geographies and industries.
• Incorporate third-party data, including bureau, bank account, financial statements, and less traditional data, into our credit assessment.
• Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses.
• Help scale risk processes by working with partners to design and optimize outsourced workflows.
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 experience in credit analysis and underwriting.
• Bachelor's degree in finance, economics, statistics, or a related field.
• Experience in risk management, financial lending, or core credit risk management function.
• Strong analytical skills and a rigorous, data-driven approach to problem-solving.
• Experience working with both internal and external stakeholders and the ability to closely. manage expectations and deliverables in a timely manner.
• Ability to thrive in an unstructured and fast-moving organization.
• Strong technical expertise, including SQL, excel, google sheets.
• Self-starter who can work independently.
• Experience with quantitative tools such as Python, R, or Stata.
• Master's degree in finance, economics, statistics, or a related field.
• Superior communication and relationship management skills.
• Ability to communicate results clearly with a focus on driving impact.