# Credit Operations Analyst

**Company**: Stripe
**Location**: Chicago, Toronto, US-Remote
**Work arrangement**: remote
**Experience**: senior
**Job type**: full-time
**Category**: Finance
**Industry**: Finance

**Apply**: https://job-boards.greenhouse.io/stripe/jobs/7722938
**Canonical**: https://yubhub.co/jobs/job_a322cbcb-0e8

## Description

We're looking for an experienced Credit Operations Analyst to join our industry-leading global credit operations team. As a Credit Operations Analyst, you will execute operational processes and scale programs while devising growth-friendly solutions that reduce Stripe's credit risk.

The Risk Operations team is responsible for ensuring that exposure is minimized while facilitating company growth. We work closely with merchants from successful venture-backed startups to well-established institutions, completing in-depth credit reviews and investigating and actioning/triaging escalations across multiple channels.

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.

Requirements:
4+ years 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

## Skills

### Required
- commercial credit principles
- risk management
- credit modeling
- data analysis
- SQL
- dashboard creation
- visualization

### Nice to have
- designing credit/risk workflows
- analyst tooling
- process procedural workflows