# Credit Operations Analyst

**Company**: Stripe
**Location**: Chicago, IL
**Experience**: senior
**Job type**: full-time
**Category**: Finance
**Industry**: Finance

**Apply**: https://job-boards.greenhouse.io/stripe/jobs/8354560?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/job/credit-operations-analyst-11e26994-a47/

## Description

## 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

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## Skills

### Required
- commercial credit analysis
- credit operations
- risk management
- SQL
- data analysis
- problem-solving

### Nice to have
- credit experience in payments, e-commerce, or fintechs
- experience designing credit/risk workflows, analyst tooling, and processes/procedural workflows

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Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/stripe/jobs/8354560?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)