Credit Operations Analyst, Stripe

• 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
• The right candidate for this role should have an understanding of general credit principles, risk management, and credit modeling
• Successful candidates for the role will have a minimum of three years' experience in credit operations within the payments, fintech, or financial service spaces
• 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
• 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

Desirable

• The Risk Operations team is looking for an experienced analyst to join an industry leading global credit operations team
• This position is responsible for conducting in-depth credit reviews, leading initiatives to improve credit decisioning at scale, and working collaboratively with cross-functional teams and stakeholders to expand the impact of the credit operations team to mitigate credit risk to Stripe
• They should have a deep understanding of commercial credit analysis/underwriting, experience identifying and implementing credit processes & programs, strong analytical skills, and experience leading initiatives in a highly cross-functional & collaborative environment
• 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 minimised while facilitating company growth
• This person will work alongside a global team of analysts and build cross functional partnerships with engineering, strategy, sales, vendor management, and more
• 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