Credit Risk Analyst Commercial Underwriter, West Coast

Stripe

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 Analyst Underwriter on the North America Strategy Risk team, you will underwrite and manage a portfolio of our largest and fastest growing businesses in order to facilitate Stripe’s growth objectives while minimizing Stripe’s credit risk. This is a high impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance. RESPONSIBILITIES * 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's 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. 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 * 3+ 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 analytical 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 PREFERRED QUALIFICATIONS * Strong technical expertise, including demonstrated experience with SQL * Strong data visualization skills and a passion for data and analysis * Experience working in tech or other fast-paced, high-growth environments

Shift

Who is Shift? At Shift, we’re business specialists dedicated to helping Australian SMEs take control of their cashflow, streamline trade terms and choose the right financial products. We believe Australian businesses are the driving force behind our economy and are core to our communities. That’s why our business expertise, focus on relationships, and market-leading technology is at the core of everything we do. We’ve helped solve the credit and payment pain points for more than 30,000 businesses, providing over $6 billion in aggregate funding. Our unique approach to product innovation combined with our collaborative culture means you can build your career in a supportive environment. You’ll be joining a diverse team of over 300 people who are always looking to deliver better outcomes for Australian businesses. About the role: As a Credit Analyst, you'll be a crucial part of our customers' journeys, carefully reviewing credit applications from both customers and brokers. With a keen eye for detail, you'll look at bank statements, financial documents, and other key information to help determine each applicant’s creditworthiness and suggest the right lending options. Your expertise will not only help us manage risk, but also contribute to outstanding outcomes for our customers.   What you'll do: * Review and assess commercial credit applications by analyzing financial statements, bank records, and other important data * Connect with applicants and brokers over the phone to gather information and discuss loan requirements * Deliver accurate and thorough credit assessments, recommending lending limits that fit Shift’s approach * Make sure every customer application is matched with the right products and services * Keep detailed records of risk factors and ways to manage them, supporting confident decision-making * Develop strong relationships with internal teams, customers, and brokers to support business growth * Follow credit underwriting guidelines and compliance standards, and maintain accurate data in our systems * Team up with Relationship Managers and Sales teams, offering support, coaching, and mentorship * Look for ways to improve our processes and service, helping the whole team work more efficiently   What you'll bring: * Previous experience with Delegated Lending Authority in commercial or business lending * Strong business sense, with a solid grasp of the SME market * A proven ability to deliver excellent customer service * Experience analyzing commercial credit through financial and bank statements (bonus points for familiarity with non-traditional data!) * A sharp, analytical mindset with great attention to detail * Background in risk or analytics roles, or experience with finance products in point-of-sale settings, is a plus but not required * Fantastic communication skills and the ability to build lasting relationships * A dedication to compliance and ensuring data accuracy #LI-SA1 Key benefits: * Collaborative teams – a flat structure means everyone can learn from colleagues and senior leaders around the business. * Be involved – come together with all of your colleagues every 100 days to share the product and technology roadmap and business strategy. * Flexible working environment – we’re headquartered in North Sydney with state-based workplaces and offer a flexible work policy. * Family support – industry leading 26 weeks paid parental leave. * Purpose built spaces within our office – designed for collaboration, brainstorming, socialising, and focused work. * Range of benefits supporting your physical, psychological and financial wellbeing. From a day off on your birthday to excellent end of trip facilities. #LI-Hybrid

Stripe

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 Risk Operations team is looking for an experienced Credit Operations Analyst to join an industry leading global credit operations team. As a Credit Analyst, you will execute operational processes and scale programs while devising growth friendly solutions that reduce Stripe’s credit risk. Did you know that only around 4% of the world’s GDP comes from internet commerce? At Stripe, we believe that this represents a future with almost limitless potential for innovation, creativity and global prosperity. While the promise of a global online economy is palpable, it doesn’t come without significant risk.  Billions of dollars are processed by Stripe each year and the Credit Operations team works to ensure that exposure is minimized while facilitating company growth. We are looking for someone passionate about commercial credit, the payments ecosystem, and has a strong desire to work collaboratively with peers and partners in the credit space while building and enhancing processes at scale. This person will work alongside a global team of analysts and build cross functional partnerships with engineering, strategy, sales, vendor management and more. The right candidate for this role should have an understanding of general credit principals, risk management, and credit modeling. Successful candidates for the role will have a minimum of four years experience in credit operations within the payments, fintech, or financial service spaces.  WHAT YOU’LL DO RESPONSIBILITIES * Work with merchants from successful venture-backed startups to well established institutions * Complete in-depth credit reviews on merchants throughout their life cycle to identify credit concerns. * Investigate and action/triage escalations across multiple channels while providing accurate and timely responses * Own various operational processes that the team performs such as credit reviews and handling urgent risk-related escalations whilst upholding a strong commitment to process excellence and clear documentation * Identify risk factors & trends and further report said trends to the wider risk team  * Utilize analytics to optimize strategies which can be enforced across the portfolio  * Maintain regular communication with cross-functional stakeholders * Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements * Lead team work streams related to credit decisioning & accuracy, providing updates in team and org wide business reviews. 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 * 4+ years relevant experience with a solid understanding of general commercial credit principals. * 1+ years of experience leading risk related projects or initiatives working closely with cross-functional stakeholders. * Experience using data to propose creative solutions to both tactical and strategic problems * Creativity, a team-focused mentality, and effective problem solving skills * The ability and desire to question the status quo * The ability to approach challenges from a user perspective while being pragmatic and solutions oriented * Deep empathy for entrepreneurs running a business and are motivated to solve problems to empower them PREFERRED QUALIFICATIONS  * Experience designing credit/risk workflows, analyst tooling, and processes/procedural workflows * Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations