Credit Risk Operations Team Lead
Stripe · Bengaluru · 4168 SDC - Credit Operations · listed August 25, 2026
The shape of it
Seniority
Senior
Experience asked
2–6 years
Where
On site
Requirements listed
8
Length
616 words
In the posting’s own words
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.
What it asks for · 8
- A minimum of 6+ years of experience with commercial credit underwriting, financial statement analysis, risk modeling and cash flow forecasting
- The ability to transform business and financial data into a cohesive narrative that outlines potential credit risks and presents dynamic mitigation strategies
- At least 2+ years of direct people management experience
- Leadership skills, strong analytical abilities, and excellent communication skills are essential
- An ability to partner effectively with internal globally distributed stakeholders
- Strong operational background including new process launches and service delivery
- Skill and credibility doing the core work of a user facing team with a high bar for quality, and a willingness to lead by example
- Passion for process improvement and innovation
Also a plus
- Degree/diploma in Finance or Accounting, or a related field
- Experience in payments, e-commerce, or fintech mitigating credit risk
- Experience in building and scaling new teams
What the job covers
- Manage, coach, and develop a new team of in-office Credit Risk Operations Associates
- Execute on commercial credit underwriting frameworks that allow your team to evaluate business models and financial statements of successful venture-backed startups to established entities
- Guide your team to identify commercial credit risk and propose risk mitigation strategies
- Drive strong operational delivery and process improvement helping to maintain credit risk tolerance and balance credit loss and customer experience
- Build a great culture and ensure team members are happy, effective, and growing in their career
- Set clear goals and direction, and provide regular feedback on team members’ performance
- Be data-driven in your analysis of performance, and in your decision making
- Transmit and foster our values, serving as a beacon of Stripe’s user-centric philosophy and culture of transparency, empathy, inclusion, and empowerment
- Manage operational performance to deliver KPIs
- Manage capacity and scheduling to ensure adequate coverage
- Help resolve roadblocks and issues as they arise
- Act as a point of escalation for complex credit underwriting reviews
Tools and skills named
Operations & finance
- Process improvement2×
Ways of working
- Mentorship2×
Go to market
- Forecasting
Product & design
- User experience
Words the posting leans on
- credit16×
- credit risk9×
- experience6×
- commercial credit5×
- credit underwriting4×
- financial4×
- manage4×
- performance4×
- requirements4×
- risk operations4×
- user4×
- goals3×
- members3×
- mitigation strategies3×
- operational3×
- skills3×
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