TL;DR
Credit Risk Strategy Manager at Stripe leading APAC underwriting team. Oversee end-to-end credit decisions for Stripe's largest merchants, manage team of commercial underwriters, and partner with sales and risk stakeholders.
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
What we do: The Credit Risk Strategy protects Stripe by managing the end-to-end credit risk of our largest and most complex users.
How we do it: We leverage deep underwriting expertise and data-driven stress heuristics to make informed decisions at every stage of the user lifecycle—from onboarding to loss recovery. Our Goal: Enabling Stripe’s growth by making confident, calibrated decisions on our highest-exposure users.
What you’ll do: As the Manager of the APAC Credit Risk Strategy Team, you will lead a group of high-performing and tenured underwriters/Credit Strategists responsible for Stripe’s most significant financial exposures. You aren't just managing a queue; you are building the framework that allows Stripe to say "yes" to complex, multi-billion dollar businesses while keeping our balance sheet secure.
Responsibilities
- Lead a Specialized Team: Coach and mentor a world-class team of commercial underwriters and Credit Strategists. You’ll be responsible for their professional growth and for fostering a culture of rigorous, data-driven credit judgment.
- Own the E2E Credit Risk Lifecycle: Oversee the team’s execution across all critical decision points—from high-stakes New User Onboarding and Contract Negotiations to Reactive Stress Reviews and Loss Recovery.
- Strategic Stakeholder Partnership: Act as a key advisor to Sales, Risk Strategy, Risk Policy and Bank Partners. You will navigate complex Bank Concurrences and Waivers, ensuring our risk appetite aligns with both internal goals and external partner requirements.
- Drive Operational Excellence: Work closely with our Credit Ops and SDC teams to implement efficient and effective review processes while providing constructive feedback to improve procedures. You will identify gaps in our current processes and build the organizational infrastructure needed to support Stripe’s evolving product suite.
- High-Stakes Decisioning: Serve as an escalation point for ad-hoc credit reviews and referrals, making informed judgments on Stripe’s largest and riskiest users during volatile market conditions or incidents.
- Systems Thinking: Deeply understand our performance metrics including loss trends and leading indicators. Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses. Understand our current credit controls and strategies to identify opportunities for improvement. Work closely with our core risk team to mitigate potential risks with specific users.
Who you are
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.
Minimum requirements
- A coach and mentor dedicated to nurturing talent and helping team members perform at their best
- 12+ years experience in commercial underwriting and/or financial analysis across multiple geographies in APAC
- Has comprehensive knowledge of accounting principles (GAAP & IFRS), financial analysis, cash flow analysis, and comfort with reading and interpreting financial statements
- Ability to comfortably interact with the CFOs and CEOs of our top merchants
- Strong collaboration, communication, and relationship building skills, with an ability to influence stakeholders across organizations and borders
- Experience recruiting, developing, and managing diverse and high-performing teams
- Decisive, yet open to learning: you will make many critical decisions every day, even with the knowledge that you will be wrong some of the time
- Excellent communicator who is able to convey complex ideas succinctly
- Experience working cross-functionally across multiple teams and time zones
Preferred qualifications
- Strong data visualization skills and a willingness to use data and AI tools to analyze and make decisions on the portfolio
- Experienced working in tech, or in another fast-paced, high-growth environment
- Experience working with Greater China merchants as this individual will be working with merchants based in the Greater China region
- Experience working in a matrix org structure
- Experience working with Engineering, Product and Ops teams