Credit Risk Operations Associate

About the role

Chat with Stripe sales Credit Risk Operations Associate Stripe logo Jobs Our opportunity Life at Stripe Benefits University See open roles Open mobile navigation Jobs Our opportunity Life at Stripe Benefits University See open roles Close mobile navigation Roles at Stripe Role details 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 In-office expectations Office-assigned Stripes in most of our locations are currently expected to spend at least 50% of the time in a given month in their local office or with users. This expectation may vary depending on role, team and location. For example, Stripes in Stripe Delivery Center roles in Mexico City, Mexico, Bengaluru, India, and Dublin, Ireland work 100% from the office. Also, some teams have greater in-office attendance requirements, to appropriately support our users and workflows, which the hiring manager will discuss. This approach helps strike a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility when possible. Pay and benefits Stripe does not yet include pay ranges in job postings in every country. Stripe strongly values pay transparency and is working toward pay transparency globally. Office locations Bengaluru Team Operations Job type Full time Apply for this role 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. 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