Credit Risk Strategist, Risk Foundations

<h2><strong>Who we are </strong></h2> <h3><strong>About Stripe</strong></h3> <p><span style="font-weight: 400;">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.</span></p> <h3><strong>About the team</strong></h3> <p>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!</p> <h2><strong>What you’ll do</strong></h2> <p>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.</p> <h3><strong>Responsibilities</strong></h3> <ul> <li style="font-weight: 400;"><span style="font-weight: 400;">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</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">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 </span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">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.</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">Become an expert on the global ecosystem of Stripe’s products, integrations, tools, and partner requirements, and how those elements interact with payment risks</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">Develop strong internal relationships across partner teams (Data Science, Product, Engineering, Treasury, Sales, Operations, and Finance)</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">Challenge the payments industry status quo to help enable innovative businesses to flourish online<br></span></li> </ul> <h2><strong>Who you are</strong></h2> <p><span style="font-weight: 400;">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.</span></p> <h3><strong>Minimum requirements</strong></h3> <ul> <li style="font-weight: 400;"><span style="font-weight: 400;">5+ years of relevant experience with financial risk modeling</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">A builder’s mindset with a willingness to question assumptions and conventional wisdom</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">Analytical: You are well versed in data analysis, modeling, and can frame business decisions and tradeoffs effectively through quantitative analysis and visualization</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">Collaborative: Ability to work effectively across teams, building strong working relationships in order to successfully execute on shared deliverables</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">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. &nbsp;</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">Understanding and empathetic to the challenges of setting up a new business: You will thoughtfully balance scaled enforcement decisions with user experience.</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">An enthusiastic “roll up your sleeves” mentality</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">Experience with SQL required</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">Bachelor’s degree in Economics, Statistics, Computer Science, Engineering or other quantitative or related field<br></span></li> </ul> <h3><strong>Preferred qualifications</strong></h3> <ul> <li style="font-weight: 400;"><span style="font-weight: 400;">Experience with Python</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">Demonstrated experience working in fast paced highly ambiguous environments</span></li> <li style="font-weight: 400;"><span style="font-weight: 400;">Familiarity with LLM agents and how they can augment risk management practices</span></li> </ul>