Credit Risk Analyst Commercial Underwriter
- Compensation
- Not disclosed
- Location
- Singapore
- Work setup
- Not specified
- Seniority
- Not specified
- Employment
- Not specified
- Experience
- 5+ years
- Category
- Finance
- Posted
Skills
Nice to have
- Fluency in Mandarin as this role involves communications with users, stakeholder or clients in the Greater China region.
- 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.
Full description
Who we are
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
The Credit Risk team is responsible for managing the credit risk generated by businesses processing payments on Stripe. The team combines commercial underwriting, portfolio management, analytics, and cross-functional partnership to protect Stripe from financial loss while enabling strong businesses to grow. The APAC Credit Risk team supports a diverse portfolio of businesses across the region. We partner closely with Sales, Legal, Treasury, Finance, Product, Operations, and other Risk teams to make sound, timely credit decisions and develop scalable approaches to managing risk.
What you’ll do
You will underwrite and manage a portfolio of Stripe’s largest and fastest-growing businesses across APAC. You will evaluate complex business models and financial information, develop clear credit recommendations, and identify mitigations that protect Stripe while supporting sustainable user growth.
Responsibilities
- 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, develop clear credit recommendations, and identify mitigations that protect Stripe while supporting sustainable user growth
- 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 that balance Stripe’s exposure with users’ ability to grow.
- Build expertise across APAC industries, geographies, payment flows, and operating models, and apply this context to underwriting and portfolio decisions.
- Provide credit insights that support onboarding, ongoing portfolio management, commercial decisions, and merchant-pricing analysis.
- Conduct periodic and trigger-based reviews, identify changes in risk, and recommend timely actions to manage Stripe’s exposure.
- Support the refinement of systems, tools, and processes to help the team deliver on key performance indicators, such as credit loss targets or portfolio coverage metrics.
- Communicate credit decisions, risk considerations, and mitigation requirements clearly to internal stakeholders and to users, including CFOs and CEOs.