# Credit Risk Operations Team Lead

**Company:** [Stripe](https://hotfix.jobs/companies/stripe)
**Location:** Bengaluru, India
**Role:** Engineering Management
**Experience:** 6+ years
**Skills:** Commercial Credit Underwriting, Financial Statement Analysis, Risk Modeling, Cash Flow Forecasting, Credit Risk Mitigation, People Management, Performance Metrics, Process Improvement, Capacity Planning, Scheduling, Operational Delivery, Financial Analysis
**Posted:** 2026-08-25

> Leads and develops a credit risk operations team responsible for commercial underwriting, risk mitigation, and operational delivery. The role requires 6+ years of relevant credit experience, direct people management, strong analytical and communication skills, and an operations-focused approach.

## Job Description

## Responsibilities
- Manage, coach, and develop an in-office team of Credit Risk Operations Associates.
- Execute commercial credit underwriting frameworks for venture-backed startups and established entities.
- Guide identification of commercial credit risk and development of risk mitigation strategies.
- Drive operational delivery and process improvement while balancing credit loss and customer experience.
- Build team culture and support employee growth and engagement.
- Set goals, provide performance feedback, and use metrics to guide team performance.
- Manage operational KPIs, capacity, and scheduling.
- Resolve roadblocks and serve as an escalation point for complex credit underwriting reviews.
- Partner with globally distributed internal stakeholders.

## Requirements
- 6+ years of experience in commercial credit underwriting, financial statement analysis, risk modeling, and cash flow forecasting.
- 2+ years of direct people management experience.
- Ability to translate business and financial data into credit-risk narratives and mitigation strategies.
- Strong leadership, analytical, communication, and operational skills.
- Experience launching processes and delivering high-quality user-facing services.
- Passion for process improvement and innovation.

## Nice-to-haves
- Degree or diploma in Finance, Accounting, or a related field.
- Experience in payments, e-commerce, or fintech credit-risk mitigation.
- Experience building and scaling new teams.

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