Credit Operations 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 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 minimized 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 minimum of four years experience in credit operations within the payments, fintech, or financial service spaces.

What you’ll do

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.
  

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

• 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
  

In-office expectations

Office-assigned Stripes in most of our locations are currently expected to spend at least 50% of the time in a given month in their local office or with users. This expectation may vary depending on role, team and location. For example, Stripes in Stripe Delivery Center roles in Mexico City, Mexico, Bengaluru, India, and Dublin, Ireland work 100% from the office. Also, some teams have greater in-office attendance requirements, to appropriately support our users and workflows, which the hiring manager will discuss. This approach helps strike a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility when possible.

Pay and benefits

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.