Sökresultat för "3130 Risk & Reward"

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 Fraud Strategy is responsible for building scaled fraud mitigation systems that prevent fraud and protect the financial ecosystem, while minimizing disruption to good users. The fraud team’s mission is to protect Stripe, our users, and the broader financial ecosystem from actors who abuse Stripe accounts for financial gain. What you’ll do As a Manager on the Fraud Strategy team, you will lead a team of high performing and tenured fraud strategists responsible for safeguarding Stripe’s rapidly expanding portfolio of money movement and money management capabilities from fraud. You will lead the team to create short, medium and long term strategies that prevent fraud while enabling growth on rapidly expanding Stripe products like Treasury, Issuing, Capital, Crypto and Stablecoins.   Responsibilities  * Lead a Specialized Team: Coach and mentor a world-class team of fraud strategists. You'll be responsible for their professional growth and for fostering a culture of rigorous, data-driven fraud system development. * Own the E2E Fraud Prevention Lifecycle: Oversee the team's execution across all critical decision points—from new user onboarding, through offboarding and funds recovery * Strategic Stakeholder Partnership: Act as a key partner to Product, Engineering, Data Science, and Operations. You will navigate complex cross functional fraud prevention system development and tuning, ensuring our risk appetite aligns with both internal goals and external partner requirements. * Systems Thinking: Deeply understand our performance metrics including loss trends and leading indicators. Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential fraud losses. Understand our fraud controls and strategies to identify opportunities for improvement. Work closely with our core risk team to mitigate potential risks with specific users. * Executive Communication: Effectively and clearly communicate with internal leadership teams across Stripe, and effectively communicate with external leadership teams across Stripe's users, and Stripe's financial and regulatory partners. * Thought Leadership: Drive innovative fraud strategies that scale across Stripe’s wide range of products. Embrace AI technologies to accelerate execution and improve fraud prevention outcomes. 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 * 10+ years of relevant experience, preferably in Financial Services, Payments or FinTech. * A coach and mentor dedicated to nurturing talent and helping team members perform at their best * Experience recruiting, developing, and managing diverse and high-performing teams. * Strong collaboration, communication, and relationship-building skills, with an ability to influence stakeholders across organizations and functions. * Excellent communicator (verbal and written) who is able to convey complex ideas succinctly in high stakes situations both internally with Stripe leadership teams and externally with users, financial partners and regulators. * Decisive, yet open to learning — you will make many critical decisions every day, even with the knowledge that you will be wrong some of the time. * Proven ability to collaborate and execute scaled and high complexity projects cross-functionally with both technical and non technical teams. * Champion for AI and automation — you actively seek opportunities to apply AI-powered tooling and automation to accelerate risk strategy work, reduce manual toil, and improve the quality and consistency of decisions at scale; you set the example for your team in adopting and driving these capabilities. Preferred qualifications * Strong data visualization skills and a willingness to use data and AI tools to analyze and make decisions.  * Experience in a high-growth technology company managing risk at scale. * Experience working in tech, or in another fast-paced, high-growth environment. * Experience in building scaled systems to prevent bank account fraud, issuing fraud and/or crypto/stablecoin fraud. * Expertise with quantitative tools such as Python, R, etc.

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 Fraud Strategy is responsible for building scaled fraud mitigation systems that prevent fraud and protect the financial ecosystem, while minimizing disruption to good users. The fraud team’s mission is to protect Stripe, our users, and the broader financial ecosystem from actors who abuse Stripe accounts for financial gain. What you’ll do As a Fraud Strategist, you will be responsible for building strategies to mitigate fraud (buyer fraud, seller fraud and account fraud) on new and existing Stripe products. You will enable safer money movement for our users and help Stripe manage fraud risks intelligently. The stakes are high, and you will be up against ever-evolving challenges. You will face some of the most complex and dynamic problems at the company, and the nature of your work will evolve rapidly to combat new and more sophisticated challenges to Stripe's integrity in the financial ecosystem.  You'll partner closely with Product, Engineering, Data Science, Operations and other Risk Strategy functions to ensure fraud controls are embedded in every Stripe product. Beyond protecting against fraud risk, you'll drive innovation in how Stripe approaches fraud management— staying ahead of emerging fraud trends and pushing the boundaries of what effective, scalable fraud risk management looks like at a global payments company. Responsibilities  * Monitor portfolio to identify, mitigate and predict risky behavior that could result in losses for Stripe, our users, and the financial ecosystem * Collaborate with internal partners like Product, Engineering, Data Science, Risk Partnerships, and Operations, to tailor fraud risk management techniques to various products and payment methods across the globe * Continually evaluate products for gaps and propose risk controls to enhance the product while enabling growth * Scale risk processes to cover a large and complex landscape of fraud risks. Effectively design, outsource and automate manual/repetitive workflows * Work with Stripe users to educate them and guide them on how to prevent potential fraud risks to their business * Effectively and clearly communicate with other Stripes, Stripe's users, and Stripe's financial and regulatory partners 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, preferably in Financial Services, Payments or FinTech *   Curiosity and passion for risk management - you dig into anomalies and solve root causes *   Decisiveness and openness to learning, with comfort making high-impact calls daily *   Data-driven judgment - skilled at using quantitative analysis to drive and defend decisions *   Empathy for early-stage businesses and the ability to balance enforcement with user experience *   Strong analytical skills, including the ability to frame complex tradeoffs through data and visualization *   Advanced SQL skills with hands-on experience in business environments *   Proven ability to collaborate and execute cross-functionally with Engineering, Product, Data Science, and Operations *   Excellent written and verbal communication skills, with the ability to convey complex ideas clearly across teams *   Holistic thinking and the ability to build scaled processes that bridge systemic gaps *   Track record of deriving actionable insights from complex problem spaces and influencing product direction *   Ownership mentality and the ability to lead without formal authority *   Proficient with AI tools to accelerate productivity and process automation Preferred qualifications * Expertise with quantitative tools such as Python, R, etc * Experience with payments, risk, or trust & safety * Experience working with machine learning teams * Experience working in fast-paced and rapidly changing start-up 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 What we do: The Credit Risk Strategy protects Stripe by managing the end-to-end credit risk of our largest and most complex users. How we do it: 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: Enabling Stripe's growth by making confident, calibrated decisions on our highest-exposure users. WHAT YOU'LL DO As the Manager of the APAC Credit Risk Strategy Team, you will lead a group of high-performing and tenured underwriters and Credit Strategists responsible for Stripe's most significant financial exposures. You aren't just managing a queue. You are building the framework that allows Stripe to say "yes" to complex, multi-billion-dollar businesses while keeping our balance sheet secure. RESPONSIBILITIES • Lead a Specialized Team: Coach and mentor a world-class team of commercial underwriters and Credit Strategists. You'll be responsible for their professional growth and for fostering a culture of rigorous, data-driven credit judgment. • Own the E2E Credit Risk Lifecycle: Oversee the team's execution across all critical decision points—from high-stakes new user onboarding and contract negotiations to reactive stress reviews and loss recovery. • Strategic Stakeholder Partnership: Act as a key advisor to Sales, Risk Strategy, Risk Policy, and Bank Partners. You will navigate complex Bank Concurrences and Waivers, ensuring our risk appetite aligns with both internal goals and external partner requirements. • Drive Operational Excellence: Work closely with our Credit Ops and SDC teams to implement efficient and effective review processes while providing constructive feedback to improve procedures. You will identify gaps in our current processes and build the organizational infrastructure needed to support Stripe's evolving product suite. • High-Stakes Decisioning: Serve as an escalation point for ad-hoc credit reviews and referrals, making informed judgments on Stripe's largest and riskiest users during volatile market conditions or incidents. • Systems Thinking: Deeply understand our performance metrics including loss trends and leading indicators. Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses. Understand our current credit controls and strategies to identify opportunities for improvement. Work closely with our core risk team to mitigate potential risks with specific users. 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. This role has been identified as a Material Risk Personnel of Stripe SG under the Guidelines on Individual Accountability and Conduct, issued by the Monetary Authority of Singapore. SPSPL must therefore be satisfied on reasonable grounds that the role holder complies with the fitness and probity standards.  Applicants agree to permit SPSPL (or its agents) to conduct due diligence as necessary to satisfy itself on reasonable grounds that you comply with the fitness and probity standards. MINIMUM REQUIREMENTS • A coach and mentor dedicated to nurturing talent and helping team members perform at their best. • 12+ years of experience in commercial underwriting and financial analysis across multiple geographies in APAC • Comprehensive knowledge of accounting principles (GAAP and IFRS), financial analysis, cash flow analysis, and comfort with reading and interpreting financial statements. • Ability to comfortably interact with the CFOs and CEOs of our top merchants. • Strong collaboration, communication, and relationship-building skills, with an ability to influence stakeholders across organizations and borders. • Experience recruiting, developing, and managing diverse and high-performing teams. • Decisive, yet open to learning — you will make many critical decisions every day, even with the knowledge that you will be wrong some of the time. • Excellent communicator who is able to convey complex ideas succinctly • Experience working cross-functionally across multiple teams and time zones PREFERRED QUALIFICATIONS • Strong data visualization skills and a willingness to use data and AI tools to analyze and make decisions on the portfolio. • Experience working in tech, or in another fast-paced, high-growth environment. • Experience working with Greater China merchants as this individual will work with merchants based in the Greater China region. • Experience working in a matrix org structure. • Experience working with Engineering, Product, and Ops teams.

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 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