Credit Operations Analyst

Stripe Elements; Atlanta, Chicago (GA, IL); On-site; USD 70,000 - 95,000; Full time

Job summary

Stripe is seeking a Credit Operations Analyst within the Risk Operations team to execute operational credit processes, perform in-depth merchant credit reviews, and optimize risk strategies. You will work with cross-functional partners to identify and mitigate credit risk while improving processes across the global portfolio.

The role emphasizes collaboration with engineering, strategy, sales, and vendor management to scale programs and reduce risk in a fast-paced payments environment.

Qualifications

• 4+ years of commercial credit experience.
• 1+ year leading risk-related projects or initiatives.
• Experience using data to propose creative solutions to problems.
• Ability to work with cross-functional stakeholders and teams.

Responsibilities

• Perform in-depth credit reviews on merchants throughout their lifecycle.
• Investigate and triage escalations across multiple channels with timely responses.
• Own operational credit review processes and risk-related escalations.
• Identify risk factors and trends and report to the risk team.
• Utilize analytics to optimize strategies across the portfolio.
• Maintain regular communication with cross-functional stakeholders.
• Identify gaps in systems, policies, and processes and recommend improvements.
• Lead team work streams related to credit decisioning and accuracy.

Skills

Data analysis

Cross-functional collaboration

Credit risk

Problem solving

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.

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 minimised 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.

What you'll do

• 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.

Minimum requirements

• 4+ years of relevant experience with a solid understanding of general commercial credit principals.
• 1 or more 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

• Credit experience in payments, e-commerce, or fintechs
• 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