Credit Risk Analyst

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

Sway Sourcing Sweden AB

Om uppdraget 🚀 Vi söker en senior Credit Risk Analyst till ett uppdrag inom bank. Du blir en nyckelperson i att analysera och följa upp finansiella risker i en global portfölj, med fokus på att identifiera trender och förbättra riskhanteringsprocesser. Uppdraget innebär nära samarbete med olika funktioner och ger möjlighet att påverka strategier kopplat till risk, tillväxt och effektivitet. Dina arbetsuppgifter 🧩 Analysera kreditrisktrender inom konsumentportföljer globalt Granska individuella kreditbeslut och ta fram insikter för underwriting-strategier Arbeta med SQL och Python för att granska och validera riskmodeller och beslutslogik Förbättra och automatisera återkommande riskuppföljning Genomföra djupanalyser inom bl.a. motpartsrisk, FX-risk, ränterisk och likviditetsrisk Samarbeta tvärfunktionellt med risk- och affärsteam Omvandla komplex data till konkreta förbättringsåtgärder Förväntade leveranser 📦 Datadrivna analyser av kreditrisk och finansiella risker Identifierade risktrender och förbättringsförslag Validering av riskstrategier och modeller Automatiserade processer för riskuppföljning Beslutsunderlag som balanserar risk och tillväxt Din profil 🎯 Kandidatexamen inom finans, ekonomi, matematik, data science eller liknande Minst 4–5 års erfarenhet inom risk management, kreditrisk, treasury eller konsult/audit inom finans God förståelse för finansiella risker i finansiella institutioner Meriterande färdigheter ⭐ Stark SQL-kompetens och vana att arbeta med stora datamängder Erfarenhet av Python i analys- eller riskarbete Erfarenhet av automatiserade beslutsmotorer eller kreditmodeller Erfarenhet från bank eller finansiella tjänster Personliga egenskaper 🤝 Analytisk och datadriven Självständig och initiativtagande Kommunikativ med förmåga att förenkla komplex information Nyfiken och lösningsorienterad Övrig information 📍 Plats: Stockholm (2–3 dagar/vecka på kontor) Omfattning: Heltid Start: Inom 1 månad / ASAP Period: 4–6 månader (stor chans till förlängning) Språk: Engelska (flytande) Sway Sourcing är en innovativ rekryteringspartner som specialiserar sig på att matcha rätt talang med rätt företag – snabbt och effektivt. Vårt huvudfokus ligger inom Ekonomi, Administration, HR, Marknad och IT, men vi har även den breda expertis och flexibilitet som krävs för att leverera skräddarsydda rekryteringslösningar inom alla branscher. Trots att vi är en relativt ny aktör har vi redan byggt förtroende hos många av Sveriges största företag och arbetar både nationellt och internationellt. Med baser i Sverige och Spanien erbjuder vi en unik kombination av lokal expertis och global räckvidd. Vårt starka nätverk och djupa branschinsikter gör oss till en självklar partner för företag som vill ligga steget före i sin rekrytering.

Liberis

Please note that Liberis is unable to provide visa sponsorship for this position. Therefore, all candidates must have full rights to work in the UK for a minimum of 2 years.   At Liberis, our mission is to empower small and medium-sized businesses by removing finance as a friction to growth, delivering contextual, embedded financial solutions to support merchants at every stage of their business lifecycle.     The team We are the Risk team responsible for managing the credit risk of Liberis’ portfolios, which include designing effective new strategies, managing the credit quality of our products across geographies, and providing specialist credit risk advice to the business. The Risk team is based in London and covers Risk analytics, Decision Science, Underwriting and Collections. Our mission is to grow Liberis profitably to become the leading embedded business finance provider and we are now looking for a Credit Risk Analyst to join us on this journey.   The role   We're looking for someone who enjoys solving complex problems through data and analysis. This is an ideal role for an analytical thinker who is naturally curious, enjoys investigating trends and identifying opportunities, and is motivated by seeing their work influence real business decisions. You'll be comfortable taking ownership of projects - framing problems, conducting deep analysis, developing recommendations and working with stakeholders to implement change. While experience in credit risk is beneficial, we're primarily looking for an individual with strong analytical capability, commercial thinking and a track record of turning data into actionable insights. Reporting to the Risk Manager, you'll help shape Liberis' credit risk strategy by delivering analytical insights, developing portfolio monitoring frameworks and driving strategic initiatives across our global products. You'll work closely with teams across Risk, Data Science, Analytics, Product, Pricing and Commercial to ensure our lending decisions support sustainable growth while remaining within our risk appetite.     What you will be doing   * Own analytical projects from initial problem definition through to recommendation and implementation. * Perform deep-dive analyses to identify portfolio trends, emerging risks and opportunities for improvement. * Develop and optimise credit risk strategies across the customer lifecycle, including acquisition and collections. * Build and enhance forecasting models to provide forward-looking insight into portfolio performance and emerging trends. * Design and maintain portfolio monitoring frameworks and dashboards, transforming data into clear business recommendations. * Present analysis, insights and recommendations to senior stakeholders, influencing strategic business decisions. * Identify opportunities to improve portfolio performance through changes to risk strategy, pricing, policy or operational processes. * Partner closely with Analytics, Data Science, Product, Partnerships, Pricing and regional teams to deliver cross-functional initiatives. * Help improve analytical processes, tooling and ways of working within the Risk team.     What we think you'll need   * Experience in an analytical role (we anticipate 2-5 years), with a strong track record of using data to solve complex business problems, generate actionable insights and influence decision-making. * Demonstrated ownership of analytical projects, taking work from problem definition through analysis to implementation. * Strong commercial judgement, with the ability to balance analytical evidence against business objectives. * Excellent stakeholder management and communication skills, with the confidence to present complex findings clearly to both technical and non-technical audiences. * Experience using SQL and at least one analytical language such as Python, SAS or R. Strong Excel skills are expected. * Experience with data platforms such as Looker, Power BI, BigQuery or dbt is advantageous. * Credit risk or financial services experience is beneficial but not essential. We're open to candidates from other analytical backgrounds who can demonstrate strong problem-solving capability and a desire to learn.   What happens next? Think this sounds like the right next move for you? Or if you’re not completely confident that you fit our exact criteria, apply anyway and we can arrange a call to see if the role is fit for you. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis!   Our hybrid approach   Working together in person helps us move faster, collaborate better, and build a great Liberis culture. Our hybrid working policy requires team members to be in the office at least 3 days a week, but ideally 4 days. At Liberis, we embrace flexibility as a core part of our culture, while also valuing the importance of the time our teams spend together in the office.    #LI-CG1