Credit Operations Analyst

Who we areAbout StripeStripe 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 teamThe 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. Did you know that only around 4% of the world’s GDP comes from internet commerce? At Stripe, we believe that this represents a future with almost limitless potential for innovation, creativity and global prosperity. While the promise of a global online economy is palpable, it doesn’t come without significant risk. Billions of dollars are processed by Stripe each year and the Credit Operations team works to ensure that exposure is minimised while facilitating company growth.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 minimumof four years experience in credit operations within the payments, fintech, or financial service spaces. What you’ll doWork with merchants from successful venture-backed startups to well established institutionsComplete 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 responsesOwn 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 documentationIdentify 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 stakeholdersIdentify gaps in current systems, policies and strategies, and recommend enhancements and process improvementsLead team work streams related to credit decisioning & accuracy, providing updates in team and org wide business reviews.Who you areWe’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 requirements4+ years of relevant experience with a solid understanding of general commercial credit principals.1 or more 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 problemsCreativity, a team-focused mentality, and effective problem solving skillsThe ability and desire to question the status quoThe ability to approach challenges from a user perspective while being pragmatic and solutions orientedDeep empathy for entrepreneurs running a business and are motivated to solve problems to empower themPreferred qualificationsCredit experience in payments, e-commerce, or fintechsExperience designing credit/risk workflows, analyst tooling, and processes/procedural workflowsStrong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations