Credit Risk Strategist, Risk Foundations

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. Who we are Risk Foundations is a small, high‑leverage team with a mandate to maximize Stripe’s enterprise value by managing risk across the user lifecycle. Whether we’re evaluating net‑new opportunity areas, investigating existential threats, or finding ways to unlock value in the existing business, we approach problems with rigor, nuance, and intellectual humility. If you are excited to shape the infrastructure that powers safe, sustainable growth for millions of businesses, we encourage you to apply. What you’ll do As a Strategist on the Risk Foundations team, you will help manage a rapidly growing merchant portfolio by guiding Stripe’s credit strategy and devising growth‑friendly solutions that reduce overall credit risk. This high‑impact role involves cross‑functional partnership with Data Science, Engineering, Product, and Operations. Responsibilities Develop scalable methods to identify, measure, and control end‑to‑end risks (including Credit and Fraud) across the user lifecycle: this will involve identifying and shaping crucial risk management systems including in‑product and back‑end controls, use of external risk assessment tools, and implementation of rule‑based and model‑based detection systems. Proactively identify risk management opportunities, outline the strategy and translate complex requirements into technical specifications, which may include shipping code to enable rapid iteration of risk strategy. Work closely with Product, Engineering, and Data Science teams to shape new product offerings and develop data‑driven, globally scalable systems and processes that combine strong risk management fundamentals with seamless user experiences. Become an expert on the global ecosystem of Stripe’s products, integrations, tools, and partner requirements, and how those elements interact with payment risks. Develop strong internal relationships across partner teams (Data Science, Product, Engineering, Treasury, Sales, Operations, and Finance). 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 financial risk modeling. A builder’s mindset with a willingness to question assumptions and conventional wisdom. Analytical: well versed in data analysis, modeling, and able to frame business decisions and tradeoffs effectively through quantitative analysis and visualization. Collaborative: ability to work effectively across teams, building strong working relationships to successfully execute on shared deliverables. Decisive, yet open to learning: you will make many critical decisions every day impacting large numbers of merchants. You are willing to make difficult decisions and quickly learn and iterate from these experiences. Understanding and empathetic to the challenges of setting up a new business: you will thoughtfully balance scaled enforcement decisions with user experience. An enthusiastic “roll up your sleeves” mentality. Experience with SQL required. Bachelor’s degree in Economics, Statistics, Computer Science, Engineering or other quantitative or related field. Preferred Qualifications Experience with Python. Demonstrated experience working in fast‑paced, highly ambiguous environments. Familiarity with LLM agents and how they can augment risk management practices. Hybrid work at Stripe This role is available either in an office or a remote location (35+ miles or 56+ km from a Stripe office). Office‑assigned employees are expected to spend at least 50% of the time in a given month in their local office or with users, balancing in‑person collaboration with flexibility. Remote location is defined as being 35 miles (56 kilometers) or more from one of our offices; you are expected to regularly work from home and may attend in‑person meetings or events as required. Stripe does not cover relocation costs for remote employees. We encourage you to apply for roles that match the location where you currently live or plan to live. Pay and benefits The annual U.S. base salary range for this role is $147,000 – $220,600. Additional benefits may include equity, company bonus or sales commissions/bonuses, a 401(k) plan, medical, dental, and vision benefits, and wellness stipends. #J-18808-Ljbffr Stripe