Credit Operations Collections Analyst

<h2><strong>Who we are </strong></h2> <h3><strong>About Stripe</strong></h3> <p><span style="font-weight: 400;">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.</span></p> <h3><strong>About the team</strong></h3> <p>The Risk Operations team is looking for an experienced Credit Operations Collections Analyst to join an industry leading global credit operations team. As a Credit Analyst, you will execute operational collections and workout processes at scale while devising growth friendly solutions that reduce Stripe’s credit risk.&nbsp;</p> <p>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.&nbsp; 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.</p> <p>We are looking for someone passionate about commercial credit, the payments ecosystem, and has a strong desire to work collaboratively with peers and partners in the credit space while building and enhancing Stripe’s collections processes at scale. This person will work alongside a global team of analysts and build cross functional partnerships with engineering, strategy, sales, vendor management and more.&nbsp;</p> <p>The right candidate for this role should have an understanding of general credit principals, risk management, and credit modeling. Successful candidates for the role will have a <strong><em>minimum</em></strong> <strong><em>of four years</em></strong> experience in commercial credit collections and workouts within the payments, fintech, or financial service spaces.&nbsp;&nbsp;</p> <h2><strong>What you’ll do</strong></h2> <h3><strong>Responsibilities</strong></h3> <ul> <li>Work with merchants from venture-backed startups to well established institutions</li> <li>Complete in-depth credit reviews on merchants to identify credit concerns and collections strategies</li> <li>Investigate and action/triage escalations across multiple channels while providing accurate and timely responses</li> <li>Own various operational processes that the team performs such as credit collections reviews and handling urgent risk-related escalations whilst upholding a strong commitment to process excellence and clear documentation</li> <li>Identify risk factors &amp; trends and further report said trends to the wider risk team&nbsp;</li> <li>Utilize analytics to optimize strategies which can be enforced across the portfolio&nbsp;</li> <li>Maintain regular communication with cross-functional stakeholders</li> <li>Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements</li> <li>Lead team work streams related to credit decisioning &amp; accuracy, providing updates in team and org wide business reviews.</li> </ul> <h2><strong>Who you are</strong></h2> <p><span style="font-weight: 400;">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.</span></p> <h3><strong>Minimum requirements</strong></h3> <ul> <li>4+ years of relevant experience in commercial credit collections and managing workouts with a solid understanding of general commercial credit principals.</li> <li>1 or more years of experience leading risk related projects or initiatives working closely with cross-functional stakeholders.</li> <li>Experience using data to propose creative solutions to both tactical and strategic problems</li> <li>Creativity, a team-focused mentality, and effective problem solving skills</li> <li>The ability and desire to question the status quo</li> <li>The ability to approach challenges from a user perspective while being pragmatic and solutions oriented</li> <li>Deep empathy for entrepreneurs running a business and are motivated to solve problems to empower them</li> </ul> <h3><strong>Preferred qualifications</strong><span style="font-weight: 400;">&nbsp;</span></h3> <ul> <li>Credit experience in payments, e-commerce, or fintechs</li> <li>Experience designing credit/risk workflows, analyst tooling, and processes/procedural workflows</li> <li>Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations</li> </ul>