Senior Credit Operations Analyst: Risk & Growth

Stripe, Inc.; Chicago (IL); On-site; USD 120,000 - 150,000; Full time

Job summary

Stripe, Inc. in Chicago, IL is seeking a seasoned Credit Operations Analyst to join our Risk Operations team. You will lead complex credit reviews, drive scalable programs, and architect growth-friendly solutions that reduce Stripe's credit risk while enabling merchant growth.

The role requires deep commercial credit knowledge, strong data analytics (SQL), and collaboration with engineering, strategy, and sales. A minimum of 7+ years in credit/risk roles is expected.

Qualifications

• 7+ years of relevant experience with a deep understanding of general commercial credit principals
• 3+ years of experience leading risk related projects or initiatives with cross-functional stakeholders
• Proven track record of using data to propose creative solutions to tactical and strategic problems
• Creativity, a team-focused mentality, and highly effective problem solving skills
• Ability and desire to question the status quo and drive meaningful change
• Strong business judgment and ability to navigate complexity independently
• Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations

Responsibilities

• Work with merchants from successful venture-backed startups to well established institutions, handling the most complex and high-value accounts
• Lead in-depth credit reviews on high-risk and strategic merchants throughout their life cycle to identify credit concerns
• Investigate and action/triage complex escalations across multiple channels while providing accurate and timely responses
• Own critical operational processes that the team performs such as complex credit reviews and handling urgent risk-related escalations whilst upholding a strong commitment to process excellence and clear documentation
• Identify risk factors & trends and lead the reporting of said trends to the wider risk team with strategic recommendations
• Lead the use of analytics to optimize strategies which can be enforced across the portfolio
• Maintain regular communication with cross-functional stakeholders and serve as a key point of contact for credit operations
• Identify gaps in current systems, policies and strategies, and drive enhancements and process improvements
• Lead and own team work streams related to credit decisioning & accuracy, providing updates in team and org wide business reviews

Skills

Credit analysis

SQL

Data-driven decisions

Risk management

Cross-functional collaboration

Problem solving

Tools

SQL

Dashboards

Job description

Stripe, Inc. in Chicago, IL is seeking a seasoned Credit Operations Analyst to join our Risk Operations team. You will lead complex credit reviews, drive scalable programs, and architect growth-friendly solutions that reduce Stripe's credit risk while enabling merchant growth.

The role requires deep commercial credit knowledge, strong data analytics (SQL), and collaboration with engineering, strategy, and sales. A minimum of 7+ years in credit/risk roles is expected.