Credit Operations Leader — AI-Driven Risk & Scale

Stripe, Inc.; Chicago (IL); On-site; USD 140,000 - 230,000; Full time

Job summary

Stripe, Inc. in Chicago is seeking a Credit Operations Manager to lead a team of analysts and translate product strategies into scalable credit controls. You will partner across Credit Strategy, Product, Engineering, and Data Science to launch programs and advance AI-enabled automation.

The role focuses on building high-performing teams, evolving processes, and delivering risk-adjusted, user-centered credit solutions for Stripe products.

Qualifications

• 10-15 years of work experience in commercial credit underwriting.
• 3-5 years leading credit risk or underwriting teams in fast-paced growth.
• Experience in financial risk modeling or cash-flow forecasting.
• Proven track record of building, leading, and developing high-performing teams.
• Strong strategic thinking and problem-solving; translate complex challenges into actionable solutions.
• Excellent communication and stakeholder-management skills.
• Demonstrated experience designing, launching, and scaling programs, products, or operational capabilities.
• Experience using AI-enabled tools and partnering with technical and operational stakeholders to implement automation.
• Commitment to delivering a user-centered experience while effectively managing risk.
• Bachelor’s degree in a relevant field; advanced degree or certification is a plus.

Responsibilities

• Lead, motivate, and develop a high-performing Credit Operations team by setting clear goals, providing regular coaching and feedback.
• Assess the team’s current and future capability needs and partner on hiring, workforce planning, and development strategies to close material gaps.
• Set priorities for the team in alignment with Credit’s broader strategy and translate them into clear goals, work plans, and operating mechanisms.
• Evolve Credit Operations’ systems, processes, and operating model to improve decision quality, mitigate emerging risks, and scale efficiently.
• Support new and existing Stripe products by assessing credit and operational impacts, defining requirements and controls.
• Partner with Risk leadership and cross-functional stakeholders to prioritize investments in risk mitigation, operational efficiency, and user experience.
• Use AI-enabled tools and partner with technical and operational stakeholders to test and implement automation, with appropriate quality controls and change management.
• Define and manage operating metrics and service-level agreements, using performance insights and root-cause analysis to drive improvements.
• Oversee credit-related vendor performance and ensure work meets applicable quality and compliance standards.

Skills

Commercial credit underwriting

Leading credit risk teams

Financial risk modeling

Cash-flow forecasting

Strategic thinking

Problem solving

Communication & stakeholder mgmt

Program design & scaling

AI-enabled automation

Automation testing

Education

Bachelor’s degree in a relevant field

Tools

SQL

Job description

Stripe, Inc. in Chicago is seeking a Credit Operations Manager to lead a team of analysts and translate product strategies into scalable credit controls. You will partner across Credit Strategy, Product, Engineering, and Data Science to launch programs and advance AI-enabled automation.

The role focuses on building high-performing teams, evolving processes, and delivering risk-adjusted, user-centered credit solutions for Stripe products.