Credit Operations Analyst

Credit Operations Analyst

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.

The Risk Operations team is looking for an experienced Credit Operations Analyst to join an industry leading global credit operations team. As a Credit Analyst, you will execute operational processes and scale programs while devising growth friendly solutions that reduce Stripe's credit risk. We are looking for someone passionate about commercial credit, the payments ecosystem, and has a strong desire to work collaboratively with peers and partners in the credit space while building and enhancing processes at scale. This person will work alongside a global team of analysts and build cross functional partnerships with engineering, strategy, sales, vendor management and more. The right candidate for this role should have an understanding of general credit principals, risk management, and credit modeling. Successful candidates for the role will have a minimum of four years experience in credit operations within the payments, fintech, or financial service spaces.

Responsibilities

• Work with merchants from successful venture-backed startups to well established institutions
• Complete in-depth credit reviews on merchants throughout their life cycle to identify credit concerns.
• Investigate and action/triage escalations across multiple channels while providing accurate and timely responses
• Own various operational processes that the team performs such as credit reviews and handling urgent risk-related escalations whilst upholding a strong commitment to process excellence and clear documentation
• Identify risk factors & trends and further report said trends to the wider risk team
• Utilize analytics to optimize strategies which can be enforced 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 & accuracy, providing updates in team and org wide business reviews.

Minimum requirements

• 4+ years relevant experience with a solid understanding of general commercial credit principals.
• 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
• The ability and desire to question the status quo
• The ability to approach challenges from a user perspective while being pragmatic and solutions oriented
• Deep empathy for entrepreneurs running a business and are motivated to solve problems to empower them

Preferred qualifications

• 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

The annual US base salary range for this role is $89,000 - $133,400. For sales roles, the range provided is the role's On Target Earnings ("OTE") range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate's experience, qualifications, and location. Applicants interested in this role and who are not located in the US may request the annual salary range for their location during the interview process.

Additional benefits for this role may include: equity, company bonus or sales commissions/bonuses; 401(k) plan; medical, dental, and vision benefits; and wellness stipends.

Office locations: Atlanta, Toronto, or Chicago