Credit Risk Operations Associate

Who we are

About Stripe

Stripe is a financial infrastructure platform for businesses. Millions
of companies—from the world’s 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 everyone’s reach while doing the most important work of your
career.

About the team

Stripe was built with simplicity in mind. We strive to deliver
frictionless experiences for all of our users, whether they are an
Independent Business, Startup, SMB, or Enterprise and our mission is to
provide all Stripe Users with the best support experience possible.
Today, Stripe handles over a million support cases per year and
processes millions of internal transactions.  We’re going to achieve
excellence by thinking of support in a novel, solution-oriented way, and
viewing operations as an integral enabler of all of Stripe’s growth.

Stripe is launching Stripe Delivery Centers - a brand new global team to
design, implement and grow Stripe’s operations for the next decade. We
are looking for dynamic and curious people that have a passion for
solving global user issues, building operations, drive process
improvement and want to play a front-line role in building this new
operational capability for Stripe and accelerating Stripe’s growth. If
you like challenging, scaled problems and are an amazing teammate, we
want to hear from you! 

What you’ll do

The credit risk operations team plays a critical role in ensuring a
healthy financial ecosystem for businesses around the world. This team
will directly impact the company’s bottom line and growth capabilities
by supporting new and emerging businesses. The Credit Operations team is
responsible for conducting credit risk assessments, underwriting small
and mid-size users, and proposing mitigation strategies that enable
Stripe to take smart risks for our users.

Responsibilities

  •  Work with merchants, from successful venture-backed startups to well
    established institutions; evaluating their business models and
    financial statements
  • Help manage Stripe’s portfolio by developing a deep understanding of
    risk across industries, geographies, and operating models
  • Identify differing risks of complex business models and enforce
    appropriate loss mitigation actions based on your assessment
  • Utilize analytics to optimize strategies which can be enforced across
    Stripe’s portfolio
  • Identify risk factors and trends and further report these identifiers
    to the wider risk team to ensure consistency in partnership
  • Identify gaps in current systems, policies and strategies, and
    recommend enhancements and process improvements
  • Have an opportunity to learn how Stripe operates from ground up and
    make a real impact on the future on organization 
  • Be a part of building a brand new team and operational culture for
    Stripe 
  • Partner with global operations specialists or business process owners
    to run a critical workflow

Who you are

We’re 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

  • A minimum of 1+ years of experience with 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
  • Strong knowledge of accounting principles and comfort with evaluating
    financial statements and business models across a range of industries
  • You excel in analytical thinking and problem solving
  • You have a process-oriented mindset and ability to get things done
  • You enjoy working in an in-office environment with strong cross team
    collaboration and support
  • You are able to prioritize and enjoy working in a quick-moving
    environment
  • You are humble and have a proven track record for working well across
    teams and with external partners
  • You’re willing to work (no more than) one weekend day each month -
    you’ll receive a weekday off the following week; the SDC operates
    during daytime hours with shifts from the morning through early
    evening

Preferred qualifications

  • Proficiency in SQL or other data analysis tools
  • The ability and desire to challenge the status quo

Office locations

Bengaluru

Team

Operations

Job type

Full time

We look forward to hearing from you

At Stripe, we're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Stripe, we welcome diverse perspectives and people who think rigorously and aren't afraid to challenge assumptions. Join us.