Credit Operations Analyst
Share
Job Location:
Monthly Salary:
Posted on:
Yesterday
Vacancies:
1 Vacancy
Job Summary
Who we are
About Stripe
Stripe is a financial infrastructure platform for businesses. Millions of companies - from the worlds 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 everyones reach while doing the most important work of your career.
About the team
The Risk Operations team is looking for an experienced analyst to join an industry leading global credit operations team. This position is responsible for conducting in-depth credit reviews leading initiatives to improve credit decisioning at scale and working collaboratively with cross-functional teams and stakeholders to expand the impact of the credit operations team to mitigate credit risk to Stripe. They should have a deep understanding of commercial credit analysis/underwriting experience identifying and implementing credit processes & programs strong analytical skills and experience leading initiatives in a highly cross-functional & collaborative environment.
What youll do
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 Stripes credit risk.
Did you know that only around 4% of the worlds 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 doesnt 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.
The right candidate for this role should have an understanding of general credit principles risk management and credit modeling. Successful candidates for the role will have aminimum of three years experience in credit operations within the payments fintech or financial service spaces.
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
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
- 4 years of relevant experience with a solid understanding of general commercial credit principles
- 1 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
Required Experience:
IC
Key Skills
- Financial Statement Preparation
- Credit Analysis
- Cash Flow Analysis
- Math
- Banking
- Analysis Skills
- UCC Law
- Underwriting
- Financial Analysis
- Financial Modeling
- Financial Report Interpretation
- Word Processing
About Company
.png?1538676884){kind=logo}
Stripe is a suite of APIs powering online payment processing and commerce solutions for internet businesses of all sizes. Accept payments and scale faster with AI.
