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 2+ 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 su