Credit Risk Operations Manager
Credit Risk Operations Manager
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Job Description
Who we are
About Stripe
Stripe is a financial infrastructure platform for businesses. Millions of companiesfrom the worlds largest enterprises to the most ambitious startupsuse 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 everyones reach while doing the most important work of your career.
About the team
The Risk team plays a critical role in ensuring a healthy financial eco-system for businesses around the world. The Credit Operations team directly impacts the companys bottom line and growth capabilities by supporting new and existing businesses. At the Stripe Delivery Centre the team will provide operational leverage for scaled credit risk assessments including the underwriting of small and mid-size merchants.
What youll do
As a payment processor Stripe proactively takes on credit risk in the normal course of business and as such we do not avoid credit risk we manage it. In this role you will lead a new team of Credit Risk Operations Associates focused on comprehensively underwriting our users. This involves analyzing their past processing trends as well as evaluating a range of qualitative and quantitative factors to arrive at a holistic credit risk assessment for each user. Our goal is to continuously expand the pool of merchants we can profitably support. This often requires tackling new industries and operating in unstructured ambiguous environments.
The Credit Risk Operations Manager will be an adaptable leader and cultivate the engagement of their team members while guiding them to be the best they can be through feedback coaching mentoring and advocacy within the organization. This means helping to set team goals and using metrics to efficiently measure and guide team performance in pursuit of those goals. To be a fit you will have a strong operations mindset be able to move quickly and be passionate about delivering an incredible user experience.
Responsibilities
- Recruit manage coach and develop a new team of in-office Credit Risk Operations Associates
- Execute on credit underwriting frameworks that allow your team to evaluate business models and financial statements of successful venture-backed startups to established entities
- Identify key assumptions and tradeoffs to inform the optimal course of action
- Drive strong operational delivery and process improvement helping to maintain credit risk tolerance and balance credit loss and customer experience
- Build a great culture and ensure team members are happy effective and growing in their career
- Set clear goals and direction and provide regular feedback on team members performance
- Be data-driven in your analysis of performance and in your decision making
- Transmit and foster our values serving as a beacon of Stripes user-centric philosophy and culture of transparency empathy inclusion and empowerment
Who you are
Were 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
- At least 7 years of experience serving as a manager for credit risk and/or underwriting teams
- Experience and knowledge of commercial credit underwriting financial risk modeling and cash flow forecasting
- Ability to transform business and financial data into a cohesive narrative that outlines potential credit risks and presents dynamic mitigation strategies
- Ability to partner effectively with internal globally distributed stakeholders
- Operational background including new process launches and service delivery
- Problem-solving skills and comfort operating without clear guidelines
- Skill and credibility doing the core work of a user facing team with a high bar for quality and a willingness to lead by example
- Excellent written and verbal communication skills in English
Preferred qualifications
- Experience in payments e-commerce or fintech
- Experience in building and scaling new teams from zero
- Experience operating in a high growth technology company
Required Experience:
Manager
Employment Type
Full Time
