Credit Risk Analyst

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 team protects Stripe by managing the end-to-end risk of our largest and most complex users. 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 is to enable Stripe’s growth by making confident, calibrated decisions on our highest-exposure users. WHAT YOU’LL DO Stripe handles billions of dollars every year for businesses around the world, and the Risk team plays a critical role in the company’s financial and partnership success. As a Credit Analyst Underwriter on the North America Strategy Risk team, you will underwrite and manage a portfolio of our largest and fastest growing businesses in order to facilitate Stripe’s growth objectives while minimizing Stripe’s credit risk. This is a high impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance. RESPONSIBILITIES * Work directly with our top merchants, from successful venture-backed startups to well-established institutions, to evaluate their business models and financial statements. * Provide tailored credit risk recommendations that mitigate Stripe's exposure, while facilitating partner company growth. * Help manage the portfolio by developing a deep understanding of risk across industries, geographies, and operating models. * Deliver insights to support senior management decisions, ranging from onboarding strategies to merchant pricing analysis. * Support the refinement of tools and processes to help the team deliver on key performance indicators, such as credit loss targets or portfolio coverage metrics. * Work with internal and external partners to support merchants around the world. 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 * 3+ years of relevant experience with knowledge of commercial credit underwriting, financial risk modeling, and cash flow forecasting * Bachelor's degree in Finance, Economics, Statistics, or other related fields * Strong knowledge of accounting principles and comfort evaluating financial statements and business models across a range of industries * Ability to transform business and financial data into cohesive narratives that outline potential credit risks and present dynamic mitigation strategies * Strong written, verbal, and analytical skills * Attention to detail while managing priorities in a fast-paced environment * Ability to comfortably interact with the CFOs and CEOs of our top merchants * Deep empathy for entrepreneurs running a business and motivation to solve problems to empower them PREFERRED QUALIFICATIONS * Strong technical expertise, including demonstrated experience with SQL * Strong data visualization skills and a passion for data and analysis * Experience working in tech or other fast-paced, high-growth environments

We are looking for an intern to join the team that is managing credit risk in 10 markets to help us in our day to day credit risk analysis and department related projects. * Location: Paris, France * Duration: 6 months internship * Starting Date : October 2026 🎯 WHAT YOU WILL DO * Help the risk team at all stages of the credit process * Gathering data on clients * Performing Financial analysis * Credit scoring * Preparing risk applications * Providing with a risk recommendation * Presenting to the Head of Risk  Contribute to Reporting * Weekly reporting on products generating credit risk * Quarterly reviews on the department’s OKR Product Development Working hand in hand with the sales department to understand our clients’ needs and eventually the others departments   🔎 WHAT DO YOU BRING? Required Qualities * Rigor, rigor, rigor * Analytical * Thick-skinned Required Knowledge * Good basics on financial analysis * English and French mandatory * Excellent command of Excel NICE TO HAVE * Any experience in financial analysis is a + * Interest in capital market products is appreciated 📣  If you feel you don’t tick all the boxes but you think you’d be a great fit, please still apply and we will review your application.   🏆 WHAT DO WE OFFER? * Various missions and projects in an innovative and rising start-up in a thriving industry (fintech) * A key role and a unique opportunity to shape the future of iBanFirst * A great, professional and international Risk team (divided between Paris, Madrid, Munich and London) with a flat hierarchy * A nice work environment, in a our office close to l'Arc de Triomphe * Swile card - 8 eur/day (50% paid by iBanFirst) * Regular offsite and internal events   WHO ARE WE? 💡 Founded in 2016, iBanFirst has quickly established itself as the leading alternative for businesses that trade and carry out international payments. iBanFirst offers a next-generation cross-border payment experience that combines a powerful platform and the support of FX experts. With iBanFirst, executives and finance teams can get direct access to currency markets, receive, send and track payments and develop tailored hedging strategies. With more than 350 employees in 10 European countries, processing a volume of transactions worth more than €1.4 billion each month, and listed by the Financial Times as one of Europe's fastest growing companies, iBanFirst became in less than 10 years a trusted partner for SMEs across borders. iBanFirst has the financial backing of the French public investment bank (bpiFrance), European venture capital leaders (Elaia, Xavier Niel), and the American investment fund Marlin Equity Partners (more than 8 billion dollars of capital under management). Regulated by the National Bank of Belgium as a payment institution, iBanFirst is authorized to operate throughout the European Union. Member of the SWIFT network and SEPA certified, iBanFirst holds AISP and PISP accreditations under PSD2.   RECRUITMENT STEPS ✅ Interview with Edgar, Credit Risk Team Lead     Fourchette de salaire : €1.000—€1.200 EUR