Credit Risk Operations Analyst (CDMX)

Joinleyla; Chihuahua; On-site; MXN 420,000 - 640,000; Full time

Job summary

Stripe Mexico City is building a credit risk operations function to underwrite and monitor risk across merchants from startups to established firms.

You will assess financial statements, model cash flows, and collaborate with global teams to mitigate losses while enabling smart growth.

Strong candidates have 1+ years in credit underwriting, finance, or risk, with SQL and data storytelling abilities.

Qualifications

• 1+ years of experience with knowledge of commercial credit underwriting, financial risk modeling, and cash flow forecasting.
• Ability to transform business and financial data into a cohesive narrative that outlines potential credit risks.
• Strong knowledge of accounting principles and comfort with evaluating financial statements and business models across a range of industries.
• Diagnostic thinking and problem-solving.
• Process-oriented mindset and ability to get things done.
• Experience working in an in-office environment with cross-team collaboration and support.
• Ability to prioritize and work in a quick-moving environment.
• Willingness to periodically work a weekend day.

Responsibilities

• Work with merchants, from startups to established institutions, evaluating their business models and financial statements.
• Help manage Stripe's portfolio by understanding risk across industries, geographies, and operating models.
• Identify differing risks of complex business models and enforce loss mitigation actions based on assessment.
• Utilize analytics to optimize strategies across Stripe's portfolio.
• Identify risk factors and trends and report to the risk team for consistency.
• Identify gaps in systems, policies, and strategies and recommend enhancements.
• Learn Stripe operations from the ground up and make an impact on the organization.

Skills

SQL

Data analysis

Problem solving

Job description

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 At Stripe, our Mexico City office is a vibrant hub at the forefront of our mission to reshape the financial landscape for businesses worldwide. Our team prioritizes collaboration, innovation, and excellence. As a member of the Mexico City team, you'll be part of a mission-driven community dedicated to enhancing the global economy and increasing the GDP of the internet. We strive for excellence by creating with craft and beauty, while having fun and celebrating our successes together. We cultivate a culture of collaboration, inclusivity, and support where every team member's voice matters. Our commitment shines through as we handle over a million support cases each year, empowering our users not just to solve problems but to achieve their goals.

What you'll do

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.

Responsibilities

• Work with merchants, from successful venture-backed startups to well-established institutions, evaluating their business models and financial statements
• Help manage Stripe's portfolio by developing a deep understanding of risk across industries, geographies, and operating models
• Identify differing risks of complex business models and enforce appropriate loss mitigation actions based on your assessment
• Utilize analytics to optimize strategies that can be enforced across Stripe's portfolio
• Identify risk factors and trends and further report these identifiers to the wider risk team to ensure consistency in partnership
• Identify gaps in current systems, policies, and strategies, and recommend enhancements and process improvements
• Have an opportunity to learn how Stripe operates from the ground up and make a real impact on the future of the organization
• Be a part of building a brand-new team and operational culture for Stripe
• Partner with global operations specialists or business process owners to run a critical workflow

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

• 1+ years of experience with knowledge of commercial credit underwriting, financial risk modeling, and cash flow forecasting
• Ability to transform business and financial data into a cohesive narrative that outlines potential credit risks
• Strong knowledge of accounting principles and comfort with evaluating financial statements and business models across a range of industries
• You excel in diagnostic thinking and problem-solving
• You have a process-oriented mindset and ability to get things done
• You enjoy working in an in-office environment with strong cross-team collaboration and support
• You are able to prioritize and enjoy working in a quick-moving environment
• You are humble and have a proven track record for working well across teams and with external partners
• You're willing to periodically work a weekend day for which you will receive a weekday off. The SDC operates during daytime hours with shifts from the morning through early evening

Preferred qualifications

• Proficiency in SQL or other data analysis tools
• The ability and desire to challenge the status quo