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Stripe Credit Risk Operations Team Lead Recruitment 2026: Apply Online
Credit Risk Operations Team Lead
Job Overview
Stripe is a global financial infrastructure platform empowering millions of businesses, from startups to enterprises, to manage payments, boost revenue, and seize new opportunities. Our mission is to significantly increase the GDP of the internet, presenting unparalleled opportunities for impactful work.
The Credit Risk Operations team is fundamental to maintaining a robust financial ecosystem for businesses worldwide. This team directly influences the company’s financial health and expansion potential by supporting both new and established businesses. Core functions include conducting thorough credit risk assessments, underwriting for small and mid-sized users, and devising mitigation strategies that allow Stripe to make informed, calculated risks beneficial to our users.
As a Credit Risk Operations Team Lead, you will be responsible for managing and nurturing a team of Credit Risk Operations Associates focused on commercial credit underwriting and risk mitigation. You will foster team engagement through effective feedback, coaching, mentoring, and advocacy within the organization. This involves setting clear team objectives, utilizing metrics to accurately measure and guide performance, and ensuring the team operates efficiently towards these goals. An ideal candidate possesses a strong operational mindset, a comprehensive understanding of commercial credit risk, the agility to act swiftly, and a genuine passion for delivering an outstanding user experience.
Key Responsibilities:
- Lead, coach, and develop a new team of in-office Credit Risk Operations Associates.
- Implement and execute commercial credit underwriting frameworks enabling your team to assess the financial health and business models of diverse clients, from venture-backed startups to larger entities.
- Guide your team in identifying commercial credit risks and formulating appropriate risk mitigation strategies.
- Ensure high operational performance and drive process improvements to uphold credit risk tolerance while balancing credit loss and customer experience.
- Cultivate a positive and productive team culture, ensuring team members are engaged, effective, and progressing in their careers.
- Establish clear goals and direction, providing consistent performance feedback to team members.
- Employ data-driven analysis for performance evaluation and strategic decision-making.
- Champion and embody Stripe’s values, acting as a role model for our user-centric philosophy and culture of transparency, empathy, inclusion, and empowerment.
- Manage operational performance to meet and exceed Key Performance Indicators (KPIs).
- Oversee capacity planning and scheduling to guarantee adequate team coverage.
- Proactively resolve roadblocks and address issues as they arise.
- Serve as a point of escalation for complex credit underwriting reviews.
We are seeking individuals with a minimum of 6 years of experience in commercial credit underwriting, financial statement analysis, risk modeling, and cash flow forecasting. The ability to translate business and financial data into a clear narrative detailing potential credit risks and dynamic mitigation strategies is essential. At least 2 years of direct people management experience is required, alongside strong leadership, analytical, and communication skills. Effective collaboration with globally distributed internal stakeholders and a solid operational background, including launching new processes and service delivery, are vital. Candidates should possess the skill and credibility to perform the core work of a user-facing team with high quality standards and be willing to lead by example. A passion for process improvement and innovation is highly valued. Preferred qualifications include a degree in Finance or Accounting, experience in payments, e-commerce, or fintech credit risk mitigation, and experience in building and scaling new teams.
Key Job Details
| Company Name | Stripe |
| Job Role | Credit Risk Operations Team Lead |
| Experience | 6+ years in commercial credit underwriting, financial statement analysis, risk modeling, and cash flow forecasting; 2+ years in direct people management. |
| Salary Range | Not specified |
| Job Type | Private |
| Work Mode | Hybrid (In-office expectations apply) |
| Openings | |
| Job Location | Multiple Locations (In-office expectations apply) |
Key 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
Requirements & Qualifications
- 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
Required Skills
- Commercial Credit Underwriting
- Financial Statement Analysis
- Risk Modeling
- Cash Flow Forecasting
- People Management & Development
- Operational Management
- Process Improvement
- Data Analysis & Decision Making
- Stakeholder Management
- Communication Skills
- Leadership
- Risk Mitigation Strategy Development
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.
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