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. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career.
Did you know that only around 4% of the world’s GDP comes from internet commerce? At Stripe, we believe that this represents a future with almost limitless potential for innovation, creativity and global prosperity. While the promise of a global online economy is palpable, it doesn’t come without significant risk. Billions of dollars are processed by Stripe each year and the Credit Operations team works to ensure that exposure is minimised while facilitating company growth.
About the teamThe Credit Operations team is looking for an experienced analyst to join an industry leading global credit operations team. This position is responsible for conducting in-depth credit reviews, leading initiatives to improve credit decisioning at scale, and working collaboratively with cross-functional teams and stakeholders to expand the impact of the credit operations team to mitigate credit risk to Stripe.
In addition to executing complex, unified user risk assessments these analysts will work collaboratively with cross-functional teams and stakeholders to expand the impact of the team to scale Greater China (GCN) user credit assessment and support processes.
They should have a deep understanding of commercial credit analysis/underwriting, strong analytical skills, and comfort engaging directly with users via email/live calls, and experience leading process improvement initiatives in a highly cross-functional & collaborative environment.
What you’ll doWe are looking for someone passionate about minimizing risk while enabling our Greater China users, conducting in-depth credit underwriting reviews, and has a strong desire to work collaboratively with stakeholders while building and scaling credit processes and support for Greater China. This position works closely with cross-functional stakeholders across go-to-market, operations, risk, and product to mitigate financial and ecosystem risk while enabling our users.
The right candidate for this role will have a minimum of three years experience in credit operations within the payments, fintech, or financial service spaces and should have an understanding of general credit principals, risk management, and credit modeling. Candidates should also have experience working closely with cross functional stakeholders to drive investigative and operational process improvements, conduct root cause analysis, and be fluent in written and spoken Mandarin.
Responsibilities
- Conduct unified risk reviews for Greater China users at onboarding; work with merchants from successful venture-backed startups to well established institutions
- Work directly with users and go to market to build context into business models, validate documentation, and assess risk exposure.
- Complete in-depth credit reviews on merchants throughout their life cycle to identify credit concerns.
- Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements to mitigate emerging risks and build for scale through a collaborative approach with stakeholders
- Lead cross functional projects to improve operational processes and tools to enhance detection and actioning of high risk users.
- Investigate and action/triage escalations across multiple channels while providing accurate and timely responses
- Utilize analytics to optimize strategies which can be enforced across the portfolio
- Engage directly with users to provide risk support and facilitate onboarding through email and live channels.
We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement.
Minimum requirements- 3+ years of relevant experience with a solid understanding of general commercial credit principals.
- A minimum of 1 year of experience in leading risk-related projects or initiatives, while effectively collaborating with cross-functional stakeholders.
- Experience using data to propose creative solutions to both tactical and strategic problems
- Creative mindset, strong team orientation, and exceptional problem-solving capabilities.
- A willingness and ability to challenge the status quo and propose improvements.
- An aptitude for approaching challenges from the user’s perspective while maintaining a pragmatic and solutions-oriented approach.
- Professional fluency in both written and verbal Mandarin communication, as this role is responsible for conducting onboarding, as well as periodic risk reviews for Stripe’s Greater China users.
- Risk experience focused on APAC and Greater China, preferably in payments, e-commerce, or fintechs.
- Experience working directly with users to fulfill document requests, onboarding, and risk requirements.
- 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
