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 Credit Operations team is focused on protecting Stripe from financial loss stemming from credit risk while ensuring a seamless user experience. As a payment processor, Stripe proactively takes on credit risk in the normal course of business and as such we do not avoid credit risk, we manage it. Credit Operations Analysts on the team execute operational processes and scale programs while devising growth friendly solutions that reduce Stripe’s credit risk. In addition to working with a global team of analysts, this person will build cross functional partnerships with engineering, strategy, sales, vendor management and more.
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 or more years of relevant experience with a solid understanding of general risk and/or commercial credit principals.
- 1 or more years of experience leading risk related projects or initiatives working closely with cross-functional stakeholders.
- Experience in data analysis and using the findings to identify, influence and lead projects
- The ability to address high-profile escalations with little to no direction from management
- 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
Credit experience in payments, e-commerce, or fintechs
- 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
