Credit Risk Strategist, Risk Foundations

Credit Risk Strategist, Risk Foundations

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.

Risk Foundations is a small, high-leverage team with a mandate to maximize enterprise value for Stripe 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're excited to shape the infrastructure that powers safe, sustainable growth for millions of businesses, we encourage you to apply.

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 Strategist on the Risk Foundations team, you'll help manage a rapidly growing merchant portfolio by guiding the credit strategy and devising growth-friendly solutions that reduce overall credit risk. This is a high-impact role that involves cross-functional partnership with Data Science, Engineering, Product, and Operations.

• 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 include shipping code to enable rapid iteration of risk strategy
• Work closely with Product, Engineering, and Data Science teams to shape 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 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)
• Challenge the payments industry status quo to help enable innovative businesses to flourish online

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.

• 5+ years of relevant experience with financial risk modeling
• A builder's mindset with a willingness to question assumptions and conventional wisdom
• You're well versed in data analysis and modeling, and able to frame business decisions and tradeoffs effectively through quantitative analysis and visualization
• Ability to work effectively across teams, building strong working relationships in order to successfully execute on shared deliverables
• Decisive, yet open to learning, you'll make many critical decisions every day impacting large numbers of merchants and quickly learn and iterate from these experiences
• Understanding and empathetic to the challenges of setting up a new business, you'll thoughtfully balance scaled enforcement decisions with user experience
• An enthusiastic, hands-on mentality
• Experience with SQL required
• Bachelor's degree in Economics, Statistics, Computer Science, Engineering, or other quantitative or related field

• Experience with Python
• Demonstrated experience working in fast-paced, highly ambiguous environments
• Familiarity with LLM agents and how they augment risk management practices

This role is available either in an office or a remote location (35+ miles or 56+ km from a Stripe office).

Office-assigned Stripes spend at least 50% of the time in a given month in their local office or with users. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for individuals and their teams.

A remote location is defined as being 35 miles (56 kilometers) or more from one of our offices. While you would be welcome to come into the office for team/business meetings, on-sites, meet-ups, and events, our expectation is you would regularly work from home rather than a Stripe office. Stripe does not cover the cost of relocating to a remote location. We encourage you to apply for roles that match the location where you currently live or plan to live.

The annual US base salary range for this role is $147,000 - $220,600. For sales roles, the range provided is the role's On Target Earnings ("OTE") range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate's experience, qualifications, and location. Applicants interested in this role and who are not located in the US may request the annual salary range for their location during the interview process.

Additional benefits for this role may include: equity, company bonus or sales commissions/bonuses; 401(k) plan; medical, dental, and vision benefits; and wellness stipends.

Office locations: Toronto, or Chicago

Remote locations: Remote in United States

Team: Risk & Financial Crimes

Job type: Full time