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About the Role

The Risk Operations team is seeking an experienced Credit Operations Analyst to execute operational processes, scale programs, and develop growth-friendly solutions to minimize Stripe's credit risk. This role offers an opportunity to contribute to increasing the GDP of the internet by managing risk within the global online economy.

Responsibilities

• Conduct in-depth credit reviews on merchants throughout their lifecycle to identify credit concerns.
• Investigate and triage escalations across multiple channels, providing accurate and timely responses.
• Own operational processes such as credit reviews and handling urgent risk-related escalations, ensuring process excellence and clear documentation.
• Identify and report risk factors and trends to the wider risk team.
• Utilize analytics to optimize strategies across the portfolio.
• Maintain regular communication with cross-functional stakeholders.
• Identify gaps in current systems, policies, and strategies, and recommend enhancements and process improvements.
• Lead team work streams related to credit decisioning and accuracy, providing updates in business reviews.

Requirements

• 4+ years of relevant experience with a solid understanding of general commercial credit principles.
• 1+ years of experience leading risk-related projects or initiatives working closely with cross-functional stakeholders.
• Experience using data to propose creative solutions to both tactical and strategic problems.
• Creativity, a team-focused mentality, and effective problem-solving skills.
• Ability and desire to question the status quo.
• Ability to approach challenges from a user perspective while being pragmatic and solutions-oriented.
• Deep empathy for entrepreneurs and motivation to solve problems to empower them.
• Experience designing credit/risk workflows, analyst tooling, and processes/procedural workflows.
• Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations.

Skills

• Commercial credit
• Payments ecosystem
• Risk management
• Credit modeling
• Data analysis
• SQL

Experience Level

• Minimum of four years experience in credit operations within the payments, fintech, or financial service spaces.

About the Company

• Stripe is a financial infrastructure platform for businesses.
• Millions of companies use Stripe to accept payments, grow revenue, and accelerate new business opportunities.
• Stripe's mission is to increase the GDP of the internet.