Bank Products Pricing Risk Specialist

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

At its core, Stripe is a treasury company. We fulfill our mission of growing the online economy by empowering our users to move money to and from their own user constituents, and to understand and optimize these flows. In this way, our treasury is inextricably intertwined with our products. In order to continue to build novel and powerful products for our users, our own treasury capabilities, including financial risk management capabilities, must be excellent.

The Capital and Financial Risk Management team sets Stripe’s financial risk strategy and develops analytical tools to promote risk-aware allocation of our resources ensuring that Stripe has sufficient capital and liquidity to support our users in all operating conditions. Within CFRM, Financial Risk Management also works closely with product and other finance teams to shape our understanding of how Stripe is performing as a business and what our best opportunities are for continued growth. We are looking for someone to join us to work alongside our business partners and our world-class engineers.

What you’ll do

To support Stripe’s growth, we're looking for a stellar candidate to join our NYC-based team. The Bank Products Risk Pricing Specialist will help shape Stripe’s product development and pricing strategy across lending, issuing, and other banking as a service offerings, ensuring that capital, liquidity, and risk factors are all incorporated in commercial terms. The ideal candidate will have strong technical and interpersonal skills combined with the ability to work across product, risk, partnerships, data science, and engineering teams, and will drive a sustainable, risk-aware approach to deal- and product-level economics. 

If you are passionate about risk-centered product design and pricing, financial discipline, cutting-edge analytics, and thought leadership in the development of Stripe’s banking-as-a-service (BaaS) offering, we want to hear from you!

Responsibilities

• Collaborate with product managers and financial strategy colleagues to develop pricing strategies for new products


• Partner with go-to-market colleagues in user meetings, bringing clarity to pricing implications of key financial features of Stripe’s BaaS offerings


• Drive CFRM’s approach to risk modeling of BaaS product from a capital and liquidity perspective


• Maintain global view into risk profile of Stripe’s core BaaS products, developing key risk indicators, setting risk appetite thresholds, and escalating areas of emerging concern


• Further build out our early warning signals for detecting emerging risks for BaaS portfolio


• Work with data science and engineering teams to develop tooling, observability, and analytics to support these efforts

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

• 7+ years of experience in one or more of: Treasury, transaction/product pricing, financial risk management, and capital/liquidity unit economics 


• A proven ability to integrate fundamental analysis with applied risk management foundations, either in a direct product pricing role, a credit/funding valuation role, or portfolio management in a credit/consumer finance-linked asset class 


• Track record of strong self-management and ability to handle both high-velocity, short-term deliverables while also progressing longer-term strategic objectives 


• Demonstrated curiosity, resilience, problem-solving skills, and desire to contribute to a high-functioning team operating in a dynamic and fast-paced environment 


• Excellent verbal and written communication skills

Preferred qualifications

• An enthusiastic "roll up your sleeves" and get things done mindset


• The ability to deal effectively with ambiguity and thrive in an unstructured, fast-moving environment


• An inclination to solve problems systematically via infrastructure, automation, and repeatable frameworks


• A builder's mindset with a willingness to question assumptions and conventional wisdom


• Experience with SQL or a willingness to learn is a strong plus