Credit Operations Analyst

Job Description

The Risk Operations team at Stripe is seeking an experienced Credit Operations Analyst to join their global credit operations team. As a Credit Analyst, you will lead complex operational processes, drive strategic programs, and architect growth-friendly solutions that reduce Stripe's credit risk at scale.

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 and 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 and accuracy, providing updates in team and org-wide business reviews

Requirements

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