Credit Risk Analyst Commercial Underwriter
Core
Underwrite and manage a portfolio of Stripe's largest and fastest-growing businesses across APAC, evaluating complex business models and financial information to assess credit risk and develop recommendations.
Role type
Senior IC commercial credit underwriter (APAC)
Builds
Credit decisions and risk mitigations for Stripe's merchant portfolio
Domain
Fintech / Payments / Commercial Credit
Required skills
commercial credit underwriting, financial-risk modeling, cash-flow forecasting, portfolio credit risk management, financial statement analysis, business model evaluation, quantitative and qualitative synthesis, commercial judgment, cross-functional partnership
Preferred skills
Mandarin fluency, APAC market underwriting experience, payments/fintech/e-commerce domain knowledge, SQL, data visualization, policy and control refinement
Technologies
SQL
Responsibilities
Evaluate business models, financial statements, cash-flow forecasts, and transaction patterns to assess credit risk; Develop clear, data-driven credit recommendations and tailored risk mitigations; Conduct periodic and trigger-based reviews to identify changes in risk; Provide credit insights supporting onboarding, portfolio management, and merchant-pricing analysis; Partner with Sales, Legal, Treasury, Finance, Product, and other teams to resolve complex cases; Identify portfolio trends and translate insights into improvements to policies and decision frameworks.
Seniority
Senior, hands-on IC