<h3><strong>Who we are</strong></h3> <h3><strong>About Stripe</strong></h3> <p>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.</p> <h3><strong>About the team</strong></h3> <p>The Policy &amp; Portfolio Management team is responsible for overseeing the credit risk of Stripes portfolio - focusing on Stripes lending products. The team is based in North America 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 Stripes treasury, engineering, data science, product, and servicing teams to 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.</p> <h2><strong>What you’ll do</strong></h2> <p>As a key member of the Policy &amp; Portfolio Management team, you will have the opportunity to shape the future of Stripes credit policy by driving meaningful changes to the risk and underwriting framework. You will leverage Stripes vast data assets to formulate your recommendations and work closely with our first line team to ensure we are optimizing our strategies through various economic conditions. We are a small and lean team, which means you will have the autonomy and the responsibility to shape the roadmap.</p> <h3><strong>Responsibilities</strong></h3> <ul> <li>Analyze model performance and monitor portfolio trends, including market and macroeconomic trends, to identify opportunities for Stripe to reduce potential credit losses </li> <li>Quantify and clearly convey the outcomes and organizational value of data-driven insights to a diverse range of interested parties, from team members to executive management</li> <li>Function as a second line to ensure we are conforming to our credit standards and partner obligations</li> <li>Coordinate and lead stakeholder meetings to pinpoint areas for enhancing the efficiency and effectiveness of operational processes</li> <li>Collaborate with cross-functional stakeholders such as Treasury, Accounting, Product, Data Science, Engineering, and Capital Markets to shape new product development</li> <li>Help scale risk processes by working with partners to design and optimize outsourced workflows, including facilitating stakeholder sessions for process improvement</li> <li>Write data queries and build clear data dashboards to evaluate portfolio performance</li> </ul> <h2><strong>Who you are</strong></h2> <p>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.</p> <h3><strong>Minimum requirements</strong></h3> <ul> <li>Advanced degree in statistics, economics, decision science, or a related field, with a strong emphasis on quantitative analysis and data-driven decision-making.</li> <li>Proven experience (7+ years) in portfolio management, risk management, audit or lending within the financial services industry</li> <li>Strong analytical, quantitative, and problem-solving abilities, with a rigorous, data-driven approach </li> <li>Proficient at writing complex and efficient SQL queries and spreadsheet tools (e.g., Excel, Google Sheets), with experience building data queries and dashboards </li> <li>Demonstrated ability to collaborate effectively with cross-functional stakeholders and manage deliverables in a fast-paced, unstructured environment</li> <li>Ability to manage multiple stakeholders and work in a complex environment</li> </ul> <h3><strong>Preferred qualifications</strong></h3> <ul> <li>Experience with advanced statistical methods </li> <li>Programming experience i.e. Python, Ruby, Java</li> <li>Superior communication and relationship management skills, with experience in data storytelling </li> <li>Experience with credit scoring models</li> <li>Experience with stress testing requirements and methodologies including CCAR and DFAST</li> </ul>