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