Credit Operations Analyst
- Your strong empathy and user focus align perfectly with the requirement for deep entrepreneur empathy and solving problems to empower them.
- You are adept at seeing the big picture and identifying trends, which supports reporting risk factors and optimizing strategies.
- You are organized and committed to process excellence, helping you handle credit reviews and escalations with care.
- The analytical nature of credit risk and heavy data work may feel less fulfilling than more human-centric or creative tasks.
- You might find the fast-paced, execution-heavy environment stressful, as you prefer time to reflect and align work with your ideals.
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
Best personality fits for this role
You naturally thrive on strategic analysis and long-term planning, which aligns well with the need to identify credit risks and optimize strategies.
Read the INTJ career guide →Your analytical and logical approach is perfect for conducting in-depth credit reviews and building data-driven strategies.
Read the INTP career guide →Your meticulous attention to detail and reliability are ideal for conducting thorough credit reviews and maintaining clear documentation.
Read the ISTJ career guide →