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Job Description:
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
About Company:
