Credit Risk Strategist, Risk Foundations
Stripe, Chicago, IL, United States
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
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
Stripe handles billions of dollars a year worldwide, and the Risk team plays a critical role. 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 is a high impact role that 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)
Challenge the payments industry status quo to help enable innovative businesses to flourish online
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 framing business decisions and tradeoffs effectively through quantitative analysis and visualization
Collaborative: ability to work effectively across teams, building strong working relationships to execute on shared deliverables
Decisive, yet open to learning: you will make many critical decisions every day impacting large numbers of merchants
Understanding and empathetic to the challenges of setting up a new business: you will balance scaled enforcement decisions with user experience
Enthusiastic “roll up your sleeves” mentality
Experience with SQL required
Bachelor’s degree in Economics, Statistics, Computer Science, Engineering, or a 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
Benefits
The annual US base salary range for this role is $147,000 - $220,600. Additional benefits include equity, company bonus or sales commissions/bonuses; 401(k) plan; medical, dental, and vision benefits; and wellness stipends.
Hybrid work at Stripe
This role is available in an office or a remote location (35+ miles 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. Remote location is defined as being 35 miles or more from an office. Stripe does not cover relocation costs.
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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
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
Stripe handles billions of dollars a year worldwide, and the Risk team plays a critical role. 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 is a high impact role that 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)
Challenge the payments industry status quo to help enable innovative businesses to flourish online
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 framing business decisions and tradeoffs effectively through quantitative analysis and visualization
Collaborative: ability to work effectively across teams, building strong working relationships to execute on shared deliverables
Decisive, yet open to learning: you will make many critical decisions every day impacting large numbers of merchants
Understanding and empathetic to the challenges of setting up a new business: you will balance scaled enforcement decisions with user experience
Enthusiastic “roll up your sleeves” mentality
Experience with SQL required
Bachelor’s degree in Economics, Statistics, Computer Science, Engineering, or a 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
Benefits
The annual US base salary range for this role is $147,000 - $220,600. Additional benefits include equity, company bonus or sales commissions/bonuses; 401(k) plan; medical, dental, and vision benefits; and wellness stipends.
Hybrid work at Stripe
This role is available in an office or a remote location (35+ miles 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. Remote location is defined as being 35 miles or more from an office. Stripe does not cover relocation costs.
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