Credit Risk Analyst, North American Underwriter

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 Risk Analyst Commercial Underwriter on the North America Strategy Risk team, you'll underwrite and manage a portfolio of our largest and fastest-growing businesses to facilitate growth objectives while minimizing credit risk. This is a high-impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance. This role is assigned to West Coast hours, with a high preference for candidates in the Pacific time zone. 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 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 * 5+ 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 problem-solving 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

Bridgepoint AB

About Us We are one of the world's leading private asset growth investors, specialising in private equity, infrastructure and private credit. With $98bn of assets under management and a strong local presence in Europe, North America and Asia, we combine global scale with local market and sector expertise, consistently delivering strong returns through cycles. Bridgepoint's private equity business focuses on investing in middle-market businesses via three distinct fund strategies: · Middle Market, implemented via Bridgepoint’s flagship buyout fund, which focuses on investing in market-leading businesses typically valued between €250 million and €1 billion; · Lower Middle Market, implemented via Bridgepoint Development Capital, which focuses on investing in cap companies valued up to £200 million; · Small Cap, implemented via Bridgepoint Growth, which focuses on companies using digital technologies to achieve transformational growth in their end-markets, typically seeking equity investment of between £5 million and £20 million. Credit, implemented via Bridgepoint Credit, is our private credit platform that invests across the capital structure and risk-reward spectrum through three complementary strategies: · Syndicated Debt, which targets investments in high-quality companies across the broadly syndicated loan and high-yield markets; · Direct Lending, which covers growth capital, acquisitions and refinancings; and · Credit Opportunities, which provides credit for complex situations and creative solutions. Our infrastructure strategy is implemented through ECP, one of the largest private infrastructure managers focused on North American, middle-market energy transition opportunities. ECP's flagship infrastructure funds focus on making value-add, predominantly control investments across electricity and sustainability infrastructure. These sectors include opportunities within wind, solar, storage, natural gas power generation carbon capture, renewable fuels, energy efficiency, digital, hydrogen, recycling waste management, beneficial re-use and waste-to-energy. Bridgepoint Growth are a team of 9 based across London and Stockholm, investing in business of between £5 million and £20 million. They are looking for an Analyst / Associate to join their Stockholm team. Key Responsibilities · Appraising potential investment opportunities, executing upon diligence programmes and supporting the structuring of deals. · Building, iterating and auditing financial models. · Developing and presenting relevant sections of investment papers to Bridgepoint’s investment committee. · Managing a broad array of stakeholders (e.g., corporate finance advisers, diligence providers etc.) across process milestones; and · Working closely with investee company management teams in the development and implementation of the value enhancement plan. Key Individual Attributes · At least 2 - 4 years of work experience with reputable strategy consulting firms, investment banks (in the mergers & acquisitions or leveraged finance departments), transaction services firms or other leading organisations (including technology led ones). · Excellent academics including a degree at Bachelor or Master’s level. · A credible and engaging presentational style, coupled with the confidence (tempered by self- awareness) to be effective in relationship building with vendors / management teams and advisers. · A high level of numeracy and technical proficiency, combined with the commercial awareness to put the numbers into their strategic context. · A demonstrable interest in investing as opposed to advising, coupled with a genuine interest in understanding underlying market and business dynamics. · Remains flexible and demonstrates ability to prioritise work. · Remains composed under pressure. · Ability to look at information and situations in a fresh light. · Exhibits high energy and drive. · Exhibits a natural curiosity coupled with a “getting things done” attitude.

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