Credit Risk Analyst Commercial Underwriter

The role

You will underwrite and manage a portfolio of Stripe's largest and fastest-growing businesses across APAC and Greater China Region. You will evaluate complex business models and financial information to develop credit recommendations and risk mitigations.

What you will do

• Underwrite and manage a portfolio of Stripe's largest and fastest-growing businesses across APAC and Greater China Region.
• Evaluate business models, financial statements, cash-flow forecasts, transaction patterns, and other relevant information to assess credit risk.
• Develop clear, data-driven credit recommendations and tailored risk mitigations.
• Build expertise across APAC industries, geographies, payment flows, and operating models.
• Provide credit insights that support onboarding, ongoing portfolio management, commercial decisions, and merchant-pricing analysis.
• Conduct periodic and trigger-based reviews to identify changes in risk.
• Support the refinement of systems, tools, and processes to help the team deliver on key performance indicators.
• Communicate credit decisions, risk considerations, and mitigation requirements to internal stakeholders and users.
• Partner with Sales, Legal, Treasury, Finance, Product, Engineering, Operations, and other Risk teams.
• Identify recurring portfolio trends and underwriting gaps to improve policies, controls, and decision frameworks.

Required qualifications

• 5+ years of relevant experience in commercial credit underwriting, financial-risk modeling, cash-flow forecasting, or portfolio credit risk.
• A bachelor's degree in Finance, Accounting, Economics, Statistics, or a related field, or equivalent practical experience.
• Strong accounting knowledge and demonstrated ability to evaluate financial statements, cash flows, business models, and sources of repayment.
• Ability to synthesize quantitative and qualitative information into a clear credit-risk narrative, approval rationale, and mitigation strategy.
• Sound commercial judgment and the ability to balance financial-risk considerations with user growth and business objectives.
• Strong written and verbal communication skills, including the ability to explain complex credit decisions to senior internal stakeholders and user executives.
• Strong analytical and problem-solving skills, attention to detail, and the ability to manage competing priorities in a fast-paced environment.
• Experience working cross-functionally with teams such as Sales, Legal, Treasury, Finance, Product, Operations, or Risk.
• Empathy for entrepreneurs and a strong motivation to develop solutions that enable responsible business growth.

Nice to have

• Fluency in Mandarin
• Experience underwriting businesses across multiple APAC markets, industries, or cross-border operating models.
• Experience in payments, fintech, e-commerce, technology, or another fast-growing environment.
• SQL experience and the ability to independently analyze portfolio or transaction-level data.
• Strong data-visualization skills and experience developing portfolio monitoring or management reporting.
• Experience improving underwriting policies, decision tools, risk controls, or portfolio-management processes.

About the company

Stripe is a financial infrastructure platform for businesses. Its mission is to increase the GDP of the internet.