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. About The Team The Risk Operations team is looking for an experienced Credit Operations Analyst to join an industry leading global credit operations team. As a Credit Analyst, you will execute operational processes and scale programs while devising growth friendly solutions that reduce Stripe’s credit risk. You will work alongside a global team of analysts and build cross‑functional partnerships with engineering, strategy, sales, vendor management, and more. Responsibilities Work with merchants from successful venture‑backed startups to well‑established institutions Complete in‑depth credit reviews on merchants throughout their life cycle to identify credit concerns Investigate and action/triage escalations across multiple channels while providing accurate and timely responses Own various operational processes that the team performs such as credit reviews and handling urgent risk‑related escalations while upholding a strong commitment to process excellence and clear documentation Identify risk factors & trends and further report said trends to the wider risk team Utilize analytics to optimize strategies which can be enforced across the portfolio Maintain regular communication with cross‑functional stakeholders Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements Lead team work streams related to credit decisioning & accuracy, providing updates in team and org‑wide business reviews Minimum Requirements 4+ years relevant experience with a solid understanding of general commercial credit principals 1+ years of experience leading risk related projects or initiatives working closely with cross‑functional stakeholders Experience using data to propose creative solutions to both tactical and strategic problems Creativity, a team‑focused mentality, and effective problem‑solving skills The ability and desire to question the status quo The ability to approach challenges from a user perspective while being pragmatic and solutions oriented Deep empathy for entrepreneurs running a business and are motivated to solve problems to empower them Preferred Qualifications Experience designing credit/risk workflows, analyst tooling, and processes/procedural workflows Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations 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. Pay and Benefits The annual US base salary range for this role is $89,000 - $133,400. For sales roles, the range provided is the role’s On Target Earnings ("OTE") range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. Additional benefits may include equity, company bonus or sales commissions/bonuses; 401(k) plan; medical, dental, and vision benefits; and wellness stipends. #J-18808-Ljbffr