Credit Operations Collections Analyst, Stripe

• 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 commercial credit collections and workouts within the payments, fintech, or financial service spaces
• 4+ years of relevant experience in commercial credit collections and managing workouts 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 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
• At Stripe, we're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns

Desirable

• The Risk Operations team is looking for an experienced Credit Operations Collections Analyst to join an industry leading global credit operations team
• As a Credit Analyst, you will execute operational collections and workout processes at scale 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 Stripe’s collections 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
• Work with merchants from venture-backed startups to well established institutions
• Complete in-depth credit reviews on merchants to identify credit concerns and collections strategies
• 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 collections 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