Credit Risk Analyst Commercial Underwriter

About this role

Underwrite and manage a portfolio of Stripe’s large and fast-growing businesses across APAC. Assess financial and transaction data, make credit recommendations, and identify mitigations that manage Stripe’s exposure while supporting responsible business growth.

About the company

Stripe provides payment infrastructure and financial tools that help businesses accept payments, manage subscriptions, and move money globally. It serves startups through large enterprises with APIs for online and in-person commerce.

The team

APAC Credit Risk team, within Risk & Financial Crimes.

What you'll do

• Underwrite businesses and manage ongoing portfolio credit risk.
• Assess business models, financial statements, cash-flow forecasts, and transaction patterns.
• Recommend credit decisions and tailored risk mitigations.
• Conduct periodic and trigger-based portfolio reviews.
• Communicate credit decisions to internal partners and user executives.
• Improve underwriting policies, controls, tools, and portfolio-management processes.

What we're looking for

• 5+ years of relevant experience in commercial underwriting, financial-risk modeling, cash-flow forecasting, or portfolio credit risk.
• Bachelor’s degree in a relevant field or equivalent practical experience.
• Strong accounting skills and ability to evaluate financial statements, cash flows, and sources of repayment.
• Ability to turn quantitative and qualitative analysis into clear credit recommendations.
• Sound commercial judgment and strong communication skills.
• Cross-functional collaboration experience and strong analytical skills.

Nice to have

• Mandarin fluency.
• Underwriting experience across APAC markets or cross-border business models.
• Payments, fintech, e-commerce, or technology experience.
• SQL and portfolio or transaction-level data analysis.
• Data visualization and portfolio reporting experience.
• Experience improving underwriting policies, decision tools, or risk controls.

Benefits

• Equity may be included.
• Company bonus or sales commissions/bonuses may be included.
• Retirement plans, health benefits, and wellness stipends may be available.