115K–172K USD / year
Credit Operations Analyst
OperationsRemote — United States
Published on 2026-11-11
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About this role
Assess commercial credit risk for Stripe merchants, including complex, high-value accounts, and help reduce exposure while supporting business growth. Lead credit decisioning initiatives and use data to improve risk strategies, processes, and tools.
About the company
Stripe provides payment infrastructure and financial tools that help businesses accept payments, manage subscriptions, and move money globally. It serves startups through large enterprises with APIs for online and in-person commerce.
The team
Global Credit Operations team within Risk Operations.
What you'll do
- Lead credit reviews of high-risk and strategic merchants throughout their lifecycle
- Investigate and triage complex risk escalations with timely, accurate responses
- Own critical credit-review and escalation processes, maintaining clear documentation
- Analyze risk trends and recommend strategic actions to the wider risk team
- Use analytics to optimize portfolio-wide credit strategies
- Partner with cross-functional stakeholders and serve as a key credit operations contact
- Identify gaps in systems, policies, and strategies and drive improvements
- Lead workstreams on credit decisioning and accuracy, and report progress in business reviews
What we're looking for
- 7+ years of relevant experience and strong commercial credit knowledge
- 3+ years leading risk initiatives with cross-functional stakeholders
- Strong SQL skills for analysis, insights, dashboards, and visualizations
- Demonstrated ability to use data to solve tactical and strategic problems
- Strong judgment, problem-solving skills, and ability to navigate complexity independently
- Pragmatic, user-focused approach and motivation to improve existing processes
- Empathy for entrepreneurs and a collaborative, team-focused mindset
Nice to have
- Credit experience in payments, e-commerce, or fintech
- Experience designing credit-risk workflows, analyst tools, or operational procedures
Benefits
- Equity
- Company bonus
- 401(k) plan
- Medical, dental, and vision benefits
- Wellness stipends