Credit Risk Operations Associate

The shape of it

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 · 9

• 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 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

Also a plus

• Degree/diploma in Finance or Accounting
• Experience in payments, e-commerce, or fintech mitigating credit risk

What the job covers

• 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

Tools and skills named

Words the posting leans on

• risk10×
• business6×
• credit6×
• operations6×
• financial5×
• users5×
• experience4×
• requirements4×
• support4×
• building3×
• business models3×
• credit risk3×
• global3×
• growth3×
• identify3×
• process3×

Counted from the posting after the mission statement and the legal notices are set aside. The ones near the top are the ones a screener is looking for.

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