Credit Risk Strategy and Analytics

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 Capital team is responsible for managing the end-to-end risk strategy for Stripe's lending product. The team is based in the US and Canada, and is composed of curious, driven, and analytical individuals who are passionate about using their skills to shape the future of Stripe. We partner closely with Stripe's engineering, data science, product, and servicing teams to leverage existing platforms, integrate industry best practices, and develop novel solutions to evaluate and manage credit risk. If you are interested in joining a fast-growing organization and applying your experience to shape the future of Stripe, we encourage you to apply. WHAT YOU’LL DO As a key member of the Capital team, you will have the opportunity to shape the future of Stripe's credit policy by driving meaningful changes to the risk and underwriting framework. You will leverage Stripe's vast data assets to formulate your recommendations and work closely with our partners and, where applicable, leverage third-party data. We are a small and lean team, which means you will have the autonomy and the responsibility to manage end-to-end risk initiatives. RESPONSIBILITIES * Architect and implement credit policies based on Stripe's proprietary data and selected industry data to target, price, and size capital products. * Utilize your analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions. * Collaborate with cross-functional teams, such as Product, Data Science, Engineering, and Capital Markets to shape new product development across different geographies and industries. * Incorporate third-party data, including bureau, bank account, financial statements, and less traditional data, into our credit assessment. * Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses. * Help scale risk processes by working with partners to design and optimize outsourced workflows. 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 experience in credit analysis and underwriting. * Bachelor's degree in finance, economics, statistics, or a related field. * Experience in risk management, financial lending, or core credit risk management function. * Strong analytical skills and a rigorous, data-driven approach to problem-solving. * Experience working with both internal and external stakeholders and the ability to closely. manage expectations and deliverables in a timely manner. * Ability to thrive in an unstructured and fast-moving organization. * Strong technical expertise, including SQL, excel, google sheets. * Self-starter who can work independently. PREFERRED QUALIFICATIONS * Experience with quantitative tools such as Python, R, or Stata. * Master's degree in finance, economics, statistics, or a related field. * Superior communication and relationship management skills. * Experience with credit scoring models. * Experience working with machine learning teams. * Ability to communicate results clearly with a focus on driving impact.

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

Qred Bank AB

At Qred, we’re building the world's best bank for small businesses. Since launching 11 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Senior Credit Analyst for the next phase of growth. About the Role You will own the data strategy that drives our pre-collections policies, third-party collections performance, and Non-Performing Loan (NPL) divestments. This mission bridges the gap between technical execution and business impact by moving beyond operational reporting to directly influence our Loss Given Default (LGD) metrics. You will have end-to-end ownership of the data ecosystem that maximizes portfolio recovery value in close collaboration with our Finance and Credit Policy teams. Key responsibilities Design and implement robust champion/challenger A/B testing frameworks to evaluate the recovery performance of third-party collection agencies. Analyze early-stage delinquency data to refine pre-collections policies and prevent roll-rates into deeper delinquency segments. Build quantitative data models to evaluate the pricing, segmentation, and optimal timing for NPL forward-flow and spot sales. Partner with the Credit Policy team to integrate downstream collections insights into automated early underwriting decisions. Establish standardized data exchange processes, governance frameworks, and performance KPIs with external collection parties and vendors. What we’re looking for We are looking for a data-driven specialist with a highly structured approach to optimizing financial systems. You have a proven ability to drive alignment across cross-functional teams and external vendors, translating complex analysis into actionable strategic narratives. You are motivated to build scalable frameworks that directly protect bottom-line performance in a fast-paced fintech environment. Qualifications Several years of experience working with credit risk, collections analytics, or portfolio management within Fintech or Banking. Expert-level technical capability in SQL for data mining and structuring complex datasets from scratch. Experience building automated data visualization dashboards, preferably using Amazon QuickSight, Tableau, or PowerBI. Background in analyzing financial metrics such as Loss Given Default (LGD) and NPL portfolio valuation. It’s a plus if you have experience with Python for predictive modeling, statistical analysis, and automating data pipelines. Why Qred? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, permanent position based in our headquarters in Stockholm. We believe our culture thrives when we work together, which is why we have an office-first approach. To balance this with some flexibility, we have the option of working remotely one day per week. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-Hybrid #LI-Remote #LI-Onsite