Operations Associate, Credit Risk

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
At Stripe, our Mexico City office is a vibrant hub at the forefront of our mission to reshape the financial landscape for businesses worldwide. Our team prioritizes collaboration, innovation, and excellence. As a member of the Mexico City team, you'll be part of a mission-driven community dedicated to enhancing the global economy and increasing the GDP of the internet. We strive for excellence by creating with craft and beauty, while having fun and celebrating our successes together.

We cultivate a culture of collaboration, inclusivity and support where every team member's voice matters. Our commitment shines through as we handle over a million support cases each year, empowering our users not just to solve problems but to achieve their goals.

What you'll do

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.

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 1+ 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
• You're willing to periodically work a weekend day for which you will receive a weekday off; the SDC operates during daytime hours with shifts from the morning through early evening

Preferred Qualifications

• Proficiency in SQL or other data analysis tools
• The ability and desire to challenge the status quo

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 Bengaluru, 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.