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Credit Risk Operations Team Lead
Who we are
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. 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. About the team The credit risk operations team plays a critical role in ensuring a healthy financial ecosystem for businesses around the world. This team will directly impact the company's bottom line and growth capabilities by supporting new and emerging businesses. The Credit Operations team is responsible for conducting credit risk assessments, underwriting small and mid-size users, and proposing mitigation strategies that enable Stripe to take smart risks for our users. What you'll do In this role, you will manage and develop a group of Credit Risk Operations Associates that are focused on commercial credit underwriting and risk mitigation. The Credit Risk Operations Team Lead will cultivate the engagement of their team members while guiding them to be the best they can be, through feedback, coaching, mentoring, and advocacy within the organization. This means helping to set team goals, and using metrics to efficiently measure and guide team performance in pursuit of those goals. To be a fit, you will have a strong operations mindset, possess a deep understanding of commercial credit risk, be able to move quickly, and be passionate about delivering an incredible user experience. Responsibilities
Manage, coach, and develop a new team of in-office Credit Risk Operations Associates
Execute on commercial credit underwriting frameworks that allow your team to evaluate business models and financial statements of successful venture-backed startups to established entities
Guide your team to identify commercial credit risk and propose risk mitigation strategies
Drive strong operational delivery and process improvement helping to maintain credit risk tolerance and balance credit loss and customer experience
Build a great culture and ensure team members are happy, effective, and growing in their career
Set clear goals and direction, and provide regular feedback on team members' performance
Be data-driven in your analysis of performance, and in your decision making
Transmit and foster our values, serving as a beacon of Stripe's user-centric philosophy and culture of transparency, empathy, inclusion, and empowerment
Manage operational performance to deliver KPIs
Manage capacity and scheduling to ensure adequate coverage
Help resolve roadblocks and issues as they arise
Act as a point of escalation for complex credit underwriting reviews
Who you are 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
A minimum of 6+ years of experience with commercial credit underwriting, financial statement analysis, risk modeling and cash flow forecasting
The ability to transform business and financial data into a cohesive narrative that outlines potential credit risks and presents dynamic mitigation strategies
At least 2+ years of direct people management experience
Leadership skills, strong analytical abilities, and excellent communication skills are essential
An ability to partner effectively with internal globally distributed stakeholders
Strong operational background including new process launches and service delivery
Skill and credibility doing the core work of a user facing team with a high bar for quality, and a willingness to lead by example
Passion for process improvement and innovation
Preferred qualifications
Degree/diploma in Finance or Accounting, or a related field
Experience in payments, e-commerce, or fintech mitigating credit risk
Experience in building and scaling new teams
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. Also, some teams have greater in-office attendance requirements, to appropriately support our users and workflows, which the hiring manager will discuss. This approach helps strike a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility when possible. Pay and benefits Stripe does not yet include pay ranges in job postings in every country. Stripe strongly values pay transparency and is working toward pay transparency globally. We look forward to hearing from you. At Stripe, we're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Stripe, we welcome diverse perspectives and people who think rigorously and aren't afraid to challenge assumptions. Join us.