Credit Operations & Risk Analyst

Jackalope Digital LLC; Georgia; On-site; USD 90,000 - 120,000; Full time

Job summary

Stripe is seeking an experienced Credit Operations Analyst to join its Risk Operations team. You will execute operational processes and scale programs to reduce Stripe's credit risk while supporting growth for merchants ranging from startups to established institutions.

The role requires a deep understanding of commercial credit, with at least four years in credit operations, and a proven ability to use data to drive creative risk solutions.

Qualifications

• 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

Responsibilities

• 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.

Skills

Credit risk analysis

Data-driven decision making

Cross-functional collaboration

Analytical thinking

Problem solving

User-centric approach

Tools

SQL

Job description

Stripe is seeking an experienced Credit Operations Analyst to join its Risk Operations team. You will execute operational processes and scale programs to reduce Stripe's credit risk while supporting growth for merchants ranging from startups to established institutions.

The role requires a deep understanding of commercial credit, with at least four years in credit operations, and a proven ability to use data to drive creative risk solutions.