Credit Risk Operations Team Lead

Monograph; Bengaluru; On-site; INR 1,400,000 - 2,000,000; Full time

Job summary

Stripe Bengaluru is seeking a Credit Risk Operations Team Lead to manage a growing group focused on commercial credit underwriting and risk mitigation. You will coach the team, drive underwriter performance, and shape risk controls while maintaining an outstanding user experience.

We value deep expertise in credit risk, strong leadership, and the ability to collaborate with globally distributed stakeholders.

Qualifications

• Minimum 6+ years of experience with commercial credit underwriting, financial statement analysis, risk modeling and cash flow forecasting.
• Ability to transform business and financial data into a cohesive narrative outlining potential credit risks and mitigation strategies.
• At least 2+ years of direct people management experience.
• Leadership, analytical abilities and excellent communication skills are essential.
• Ability to partner effectively with internal globally distributed stakeholders.
• Strong operational background including new process launches and service delivery.
• Experience doing core work of a user-facing team with a high bar for quality and leading by example.
• Passion for process improvement and innovation.

Responsibilities

• Manage, coach, and develop a new team of in-office Credit Risk Operations Associates.
• Execute on commercial credit underwriting frameworks evaluating business models and financial statements.
• Guide team to identify commercial credit risk and propose mitigation strategies.
• Drive operational delivery and process improvements balancing credit risk and customer experience.
• Build a strong culture, ensuring team members are happy, effective and growing.
• Set clear goals and provide regular feedback on performance.
• Be data-driven in analysis and decision making.
• Model Stripe's user-centric values and culture of transparency, empathy and empowerment.

Skills

Commercial credit underwriting

Financial statement analysis

Risk modeling

Cash flow forecasting

People management

Data-driven decision making

Stakeholder partnership

Process improvement

Communication skills

Education

Finance or Accounting degree

Job description

Who we are

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 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 risk operations team plays a critical role in ensuring a healthy financial ecosystem for businesses around the world. This team will directly impact the company's bottom line and growth capabilities by supporting new and emerging businesses. The Credit Operations team is responsible for conducting credit risk assessments, underwriting small and mid-size users, and proposing mitigation strategies that enable Stripe to take smart risks for our users.

What you’ll do

In this role, you will manage and develop a group of Credit Risk Operations Associates that are focused on commercial credit underwriting and risk mitigation. The Credit Risk Operations Team Lead will cultivate the engagement of their team members while guiding them to be the best they can be, through feedback, coaching, mentoring, and advocacy within the organization. This means helping to set team goals, and using metrics to efficiently measure and guide team performance in pursuit of those goals. To be a fit, you will have a strong operations mindset, possess a deep understanding of commercial credit risk, be able to move quickly, and be passionate about delivering an incredible user experience.

Responsibilities

• Manage, coach, and develop a new team of in-office Credit Risk Operations Associates
• Execute on commercial credit underwriting frameworks that allow your team to evaluate business models and financial statements of successful venture-backed startups to established entities
• Guide your team to identify commercial credit risk and propose risk mitigation strategies
• Drive strong operational delivery and process improvement helping to maintain credit risk tolerance and balance credit loss and customer experience
• Build a great culture and ensure team members are happy, effective, and growing in their career
• Set clear goals and direction, and provide regular feedback on team members’ performance
• Be data-driven in your analysis of performance, and in your decision making
• Transmit and foster our values, serving as a beacon of Stripe's user-centric philosophy and culture of transparency, empathy, inclusion, and empowerment
• Manage operational performance to deliver KPIs
• Manage capacity and scheduling to ensure adequate coverage
• Help resolve roadblocks and issues as they arise
• Act as a point of escalation for complex credit underwriting 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

• A minimum of 6+ years of experience with commercial credit underwriting, financial statement analysis, risk modeling and cash flow forecasting
• The ability to transform business and financial data into a cohesive narrative that outlines potential credit risks and presents dynamic mitigation strategies
• At least 2+ years of direct people management experience
• Leadership skills, strong analytical abilities, and excellent communication skills are essential
• An ability to partner effectively with internal globally distributed stakeholders
• Strong operational background including new process launches and service delivery
• Skill and credibility doing the core work of a user facing team with a high bar for quality, and a willingness to lead by example
• Passion for process improvement and innovation

Preferred qualifications

• Degree/diploma in Finance or Accounting, or a related field
• Experience in payments, e-commerce, or fintech mitigating credit risk
• Experience in building and scaling new teams

In-office expectations

Office-assigned Stripes in most of our locations are currently expected to spend at least 50% of the time in a given month in their local office or with users. This expectation may vary depending on role, team and location. For example, Stripes in Stripe Delivery Center roles in Mexico City, Mexico, Bengaluru, India, and Dublin, Ireland work 100% from the office. Also, some teams have greater in-office attendance requirements, to appropriately support our users and workflows, which the hiring manager will discuss. This approach helps strike a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility when possible.

Pay and benefits

Stripe does not yet include pay ranges in job postings in every country. Stripe strongly values pay transparency and is working toward pay transparency globally.

We look forward to hearing from you.

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. At Stripe, we welcome diverse perspectives and people who think rigorously and aren't afraid to challenge assumptions. Join us.

Company Details

Company: Stripe

Team: Operations

Office location: Bengaluru

Employment type: Full time