Credit Operations Analyst (Mandarin Speaking)

Monograph; Singapore; On-site; SGD 105,000 - 159,000; Full time

Job summary

A leading company in financial infrastructure is seeking a Credit Operations Analyst to minimize risk while supporting users in Greater China. This role involves conducting credit reviews, enhancing processes, and requires strong analytical skills and experience in credit operations, specifically three-plus years in a relevant field.

Benefits

Equity

Health benefits

Retirement plans

Wellness stipends

Qualifications

• 3+ years of relevant experience in credit operations or financial services.
• Professional fluency in Mandarin for communication with Chinese clients.

Responsibilities

• Conduct risk reviews for Greater China users at onboarding.
• Lead cross-functional projects to improve operational processes.

Skills

Analytical skills

Problem-solving

Creative mindset

Team orientation

Tools

SQL

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.

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 minimised while facilitating company growth.

About the team

The Credit Operations team is looking for an experienced analyst to join an industry leading global credit operations team. This position is responsible for conducting in-depth credit reviews, leading initiatives to improve credit decisioning at scale, and working collaboratively with cross-functional teams and stakeholders to expand the impact of the credit operations team to mitigate credit risk to Stripe.

In addition to executing complex, unified user risk assessments these analysts will work collaboratively with cross-functional teams and stakeholders to expand the impact of the team to scale Greater China (GCN) user credit assessment and support processes.

They should have a deep understanding of commercial credit analysis/underwriting, strong analytical skills, and comfort engaging directly with users via email/live calls, and experience leading process improvement initiatives in a highly cross-functional & collaborative environment.

What you’ll do

We are looking for someone passionate about minimizing risk while enabling our Greater China users, conducting in-depth credit underwriting reviews, and has a strong desire to work collaboratively with stakeholders while building and scaling credit processes and support for Greater China. This position works closely with cross-functional stakeholders across go-to-market, operations, risk, and product to mitigate financial and ecosystem risk while enabling our users.

The right candidate for this role will have a minimum of three years experience in credit operations within the payments, fintech, or financial service spaces and should have an understanding of general credit principals, risk management, and credit modeling. Candidates should also have experience working closely with cross functional stakeholders to drive investigative and operational process improvements, conduct root cause analysis, and be fluent in written and spoken Mandarin.

Responsibilities

• Conduct unified risk reviews for Greater China users at onboarding; work with merchants from successful venture-backed startups to well established institutions
  
• Work directly with users and go to market to build context into business models, validate documentation, and assess risk exposure.
  
• Complete in-depth credit reviews on merchants throughout their life cycle to identify credit concerns.
  
• Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements to mitigate emerging risks and build for scale through a collaborative approach with stakeholders
  
• Lead cross functional projects to improve operational processes and tools to enhance detection and actioning of high risk users.
  
• Investigate and action/triage escalations across multiple channels while providing accurate and timely responses
  
• Utilize analytics to optimize strategies which can be enforced across the portfolio
  
• Engage directly with users to provide risk support and facilitate onboarding through email and live channels.
  

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

• 3+ years of relevant experience with a solid understanding of general commercial credit principals.
  
• A minimum of 1 year of experience in leading risk-related projects or initiatives, while effectively collaborating with cross-functional stakeholders.
  
• Experience using data to propose creative solutions to both tactical and strategic problems
  
• Creative mindset, strong team orientation, and exceptional problem-solving capabilities.
  
• A willingness and ability to challenge the status quo and propose improvements.
  
• An aptitude for approaching challenges from the user’s perspective while maintaining a pragmatic and solutions-oriented approach.
  
• Professional fluency in both written and verbal Mandarin communication, as this role is responsible for conducting onboarding, as well as periodic risk reviews for Stripe’s Greater China users.
  

Preferred qualifications

• Risk experience focused on APAC and Greater China, preferably in payments, e-commerce, or fintechs.
  
• Experience working directly with users to fulfill document requests, onboarding, and risk requirements.
  
• 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
  

Office-assigned Stripes spend at least 50% of the time in a given month in their local office or with users. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for individuals and their teams.

The annual salary range for this role in the primary location is S$105,600 - S$158,400. This range may change if you are hired in another location. For sales roles, the range provided is the role’s On Target Earnings (“OTE”) range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and specific location. Applicants interested in this role and who are not located in the primary location may request the annual salary range for their location during the interview process.

Specific benefits and details about what compensation is included in the salary range listed above will vary depending on the applicant’s location and can be discussed in more detail during the interview process. Benefits/additional compensation for this role may include: equity, company bonus or sales commissions/bonuses; retirement plans; health benefits; and wellness stipends.

Office locations

Singapore

Team

Operations

Job type

Full time

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