Credit Risk Operations Associate
The Credit Risk Operations Associate evaluates merchant business models and financial statements, assesses commercial credit risk, and recommends mitigation strategies. The role requires 2+ years of underwriting or financial risk experience, strong accounting and analytical skills, and in-office cross-functional collaboration.
About the job
Responsibilities
- Evaluate merchants ranging from venture-backed startups to established institutions by reviewing business models and financial statements.
- Manage Stripe’s portfolio by developing an understanding of credit risk across industries, geographies, and operating models.
- Identify risks in complex business models and enforce appropriate loss-mitigation actions.
- Use analytics to optimize portfolio risk strategies.
- Identify and report risk factors and trends to the wider risk team.
- Identify gaps in systems, policies, and strategies; recommend enhancements and process improvements.
- Partner with global operations specialists and business process owners to run critical workflows.
- Work collaboratively across teams and with external partners in a fast-moving, in-office environment.
- Work no more than one weekend day per month, with a weekday off the following week; shifts run from morning through early evening.
Requirements
- 2+ years of experience with commercial credit underwriting, financial risk modeling, and cash-flow forecasting.
- Ability to translate business and financial data into a clear narrative describing potential credit risks.
- Strong knowledge of accounting principles and experience evaluating financial statements and business models across industries.
- Strong analytical thinking, problem-solving, prioritization, and process-orientation skills.
- Ability to work effectively across teams and with external partners.
Nice-to-haves
- Degree or diploma in Finance or Accounting.
- Experience mitigating credit risk in payments, e-commerce, or fintech.
Skills
Credit Underwriting, Financial Risk Modeling, Cash Flow Forecasting, Accounting Principles, Financial Statement Analysis, Business Model Analysis, Risk Mitigation, Portfolio Management, Analytics, Process Improvement
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