Credit Risk Operations Associate
Evaluates merchants’ business models and financial statements, assesses commercial credit risk, and recommends mitigation strategies across Stripe’s portfolio. The role requires at least one year of underwriting or financial risk experience, strong accounting skills, and comfort with analytics and cross-functional operations.
About the job
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 assessments.
- Utilize analytics to optimize strategies that can be enforced across Stripe's portfolio.
- Identify risk factors and trends and 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.
- Partner with global operations specialists or business process owners to run a critical workflow.
- Periodically work a weekend day in exchange for a weekday off. The SDC operates during daytime hours with shifts from morning through early evening.
Requirements
- 1+ years of experience with commercial credit underwriting, financial risk modeling, and cash flow forecasting.
- Ability to transform business and financial data into a cohesive narrative outlining potential credit risks.
- Strong knowledge of accounting principles and comfort evaluating financial statements and business models across a range of industries.
- Diagnostic thinking and problem-solving skills.
- Process-oriented mindset and ability to execute.
- Ability to prioritize and work effectively in a fast-moving environment.
- Proven ability to collaborate across teams and with external partners.
- Enjoyment of an in-office environment with strong cross-team collaboration and support.
Nice to Have
- Proficiency in SQL or other data analysis tools.
- Ability and desire to challenge the status quo.
Skills
Commercial Credit Underwriting, Financial Risk Modeling, Cash Flow Forecasting, Accounting, Financial Statements, Credit Risk Assessment, SQL, Data Analysis, Loss Mitigation, Process Improvement
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