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

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

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.