Credit Operations Analyst

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

The Credit Operations team is focused on protecting Stripe from financial loss stemming from credit risk while ensuring a seamless user experience. As a payment processor, Stripe proactively takes on credit risk in the normal course of business and as such we do not avoid credit risk, we manage it. Credit Operations Analysts on the team execute operational processes and scale programs while devising growth friendly solutions that reduce Stripe’s credit risk. In addition to working with a global team of analysts, this person will build cross functional partnerships with engineering, strategy, sales, vendor management and more.

What you’ll do

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

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

4 or more years of relevant experience with a solid understanding of general risk and/or commercial credit principals.

1 or more years of experience leading risk related projects or initiatives working closely with cross-functional stakeholders.
Experience in data analysis and using the findings to identify, influence and lead projects
The ability to address high-profile escalations with little to no direction from management
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

Office-assigned Stripes spend at least 50% of the time in a given month in their local office or with users. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for individuals and their teams.

The annual salary range for this role in the primary location is €54,800 - €82,200. This range may change if you are hired in another location. For sales roles, the range provided is the role’s On Target Earnings (“OTE”) range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and specific location. Applicants interested in this role and who are not located in the primary location may request the annual salary range for their location during the interview process.

Specific benefits and details about what compensation is included in the salary range listed above will vary depending on the applicant’s location and can be discussed in more detail during the interview process. Benefits/additional compensation for this role may include: equity, company bonus or sales commissions/bonuses; retirement plans; health benefits; and wellness stipends.

Office locations

Dublin HQ, or London

Team

Operations

Job type

Full time

Apply for this role

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.

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