Credit Risk Associate

3 weeks ago

Bengaluru, India Stripe Full time

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

Stripe is launching Stripe Delivery Centers - a new global team to design, implement and grow Stripe’s operations for the next decade. We are looking for a number of dynamic and curious people that have a passion for solving global user issues, building operations, drive process improvement and want to play a front-line role in building this new operational capability for Stripe and accelerating Stripe’s growth. If you like challenging, scaled problems and are an amazing teammate, we want to hear from you

What you’ll do

The Credit 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, medium and large users, and proposing mitigation strategies that enable Stripe to take smart risks for our users.

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 your assessment
Utilize analytics to optimize strategies which can be enforced across Stripe’s portfolio
Identify risk factors and trends and further 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
Have an opportunity to learn how Stripe operates from ground up and make a real impact on the future on organization 
Be a part of building a brand new team and operational culture for Stripe 
Partner with global operations specialists or business process owners to run a critical workflow

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 2+ years of experience with knowledge of commercial credit underwriting, financial risk modeling and cash flow forecasting 
Ability to transform business and financial data into a cohesive narrative that outlines potential credit risks
Strong knowledge of accounting principles and comfort with evaluating financial statements and business models across a range of industries
You excel in analytical thinking and problem solving
You have a process-oriented mindset and ability to get things done
You enjoy working in an in-office environment with strong cross team collaboration and support
You are able to prioritize and enjoy working in a quick-moving environment
You are humble and have a proven track record for working well across teams and with external partners

Preferred qualifications 

Degree/diploma in Finance or Accounting
Experience in payments, e-commerce, or fintech mitigating credit risk

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 our Bucharest, Romania site have an 80% in-office expectation, and those in Stripe Delivery Center roles in Mexico City, Mexico and Bengalaru, India 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.

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