Credit Operations Analyst

Job Description

The Risk & Financial Crimes 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 Compliance Operations team works to ensure that exposure is minimized while facilitating partner and company growth.

We are looking for someone passionate about credit, the payments ecosystem, educating other Stripes in a complex area of risk, who is naturally curious and has a strong desire to challenge the status quo. This person will work alongside a global team of analysts and build cross functional partnerships with engineering, sales, treasury, 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 two years experience in credit operations within the payments, fintech, or financial service spaces.

You will:

• Work with merchants, from successful venture-backed startups to well established institutions
• 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 from internals or Financial Partners, whilst upholding a strong commitment to process excellence and clear documentation
• Identify risk factors and trends and further report these identifiers to the wider risk team to ensure consistency in partnership
• Utilize analytics to optimize strategies which can be enforced across Stripes portfolio
• Maintain regular communication with our cross-functional stakeholders, setting up recurring business meetings as necessary
• Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements
• Participate in monthly, quarterly, and annual business reviews for the Credit Operations team

We’re looking for someone who has:

• 2+ years of relevant experience with a solid understanding of general credit principals and an interest in the payments industry
• The ability and desire to challenge the status quo and work in a deeply ambiguous space
• Experience using data to propose creative solutions to both tactical and strategic problems
• Creative thinker who considers problems from a customer perspective while being pragmatic and solutions oriented when solving them
• Deep empathy for entrepreneurs running a business, and are motivated to solve problems to empower them

Nice to haves:

• Proficiency in SQL or other data analysis tools
• Formal work experience within the payments industry

You should include these in your application:

• Your resume and/or LinkedIn profile