Credit Risk Analyst Commercial Underwriter
- Your strategic mindset helps you evaluate complex business models and develop data-driven credit recommendations that balance risk with growth.
- You excel at synthesizing quantitative and qualitative data into clear risk narratives, which is crucial for explaining credit decisions to senior stakeholders.
- Your independent, analytical approach suits the role's focus on underwriting and portfolio management, where you can work deeply on financial statements and cash flows.
- You may find the need for frequent cross-functional collaboration with teams like Sales and Operations less natural, as you prefer working autonomously.
- Your tendency to critique and refine systems aligns well with improving underwriting policies and processes, but your direct communication style might need adjustment when dealing with user executives.
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 Risk team is responsible for managing the credit risk generated by businesses processing payments on Stripe. The team combines commercial underwriting, portfolio management, analytics, and cross-functional partnership to protect Stripe from financial loss while enabling strong businesses to grow. The APAC Credit Risk team supports a diverse portfolio of businesses across the region. We partner closely with Sales, Legal, Treasury, Finance, Product, Operations, and other Risk teams to make sound, timely credit decisions and develop scalable approaches to managing risk.
What you’ll do
You will underwrite and manage a portfolio of Stripe’s largest and fastest-growing businesses across APAC. You will evaluate complex business models and financial information, develop clear credit recommendations, and identify mitigations that protect Stripe while supporting sustainable user growth.
Responsibilities
- Underwrite and manage a portfolio of Stripe’s largest and fastest-growing businesses across APAC.
- Evaluate business models, financial statements, cash-flow forecasts, transaction patterns, and other relevant information to assess credit risk.
- Develop clear, data-driven credit recommendations and tailored risk mitigations that balance Stripe’s exposure with users’ ability to grow.
- Build expertise across APAC industries, geographies, payment flows, and operating models, and apply this context to underwriting and portfolio decisions.
- Provide credit insights that support onboarding, ongoing portfolio management, commercial decisions, and merchant-pricing analysis.
- Conduct periodic and trigger-based reviews, identify changes in risk, and recommend timely actions to manage Stripe’s exposure.
- Support the refinement of systems, tools, and processes to help the team deliver on key performance indicators, such as credit loss targets or portfolio coverage metrics.
- Communicate credit decisions, risk considerations, and mitigation requirements clearly to internal stakeholders and to users, including CFOs and CEOs.
- Partner with Sales, Legal, Treasury, Finance, Product, Engineering, Operations, and other Risk teams to resolve complex cases and improve Stripe’s credit-risk capabilities.
- Identify recurring portfolio trends and underwriting gaps, and translate these insights into improvements to policies, controls, and decision frameworks.
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 in commercial credit underwriting, financial-risk modeling, cash-flow forecasting, or portfolio credit risk.
- A bachelor’s degree in Finance, Accounting, Economics, Statistics, or a related field, or equivalent practical experience.
- Strong accounting knowledge and demonstrated ability to evaluate financial statements, cash flows, business models, and sources of repayment.
- Ability to synthesize quantitative and qualitative information into a clear credit-risk narrative, approval rationale, and mitigation strategy.
- Sound commercial judgment and the ability to balance financial-risk considerations with user growth and business objectives.
- Strong written and verbal communication skills, including the ability to explain complex credit decisions to senior internal stakeholders and user executives.
- Strong analytical and problem-solving skills, attention to detail, and the ability to manage competing priorities in a fast-paced environment.
- Experience working cross-functionally with teams such as Sales, Legal, Treasury, Finance, Product, Operations, or Risk.
- Empathy for entrepreneurs and a strong motivation to develop solutions that enable responsible business growth.
Preferred qualifications
- Fluency in Mandarin as this role involves communications with users, stakeholder or clients in the Greater China region.
- Experience underwriting businesses across multiple APAC markets, industries, or cross-border operating models.
- Experience in payments, fintech, e-commerce, technology, or another fast-growing environment.
- SQL experience and the ability to independently analyze portfolio or transaction-level data.
- Strong data-visualization skills and experience developing portfolio monitoring or management reporting.
- Experience improving underwriting policies, decision tools, risk controls, or portfolio-management processes.
Best personality fits for this role
Your strategic mindset helps you evaluate complex business models and develop data-driven credit recommendations that balance risk with growth.
Read the INTJ career guide →Your natural leadership and decisiveness are assets for developing clear credit recommendations and driving improvement in underwriting processes.
Read the ENTJ career guide →Your strong organizational skills and ability to enforce standards are valuable for implementing and refining underwriting policies and risk controls.
Read the ESTJ career guide →