Credit Operations Collections Analyst

Stripe is a financial infrastructure platform for businesses.

The Risk Operations team is looking for an experienced Credit Operations Collections Analyst to join a 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.

We are looking for someone passionate about commercial credit, the payments ecosystem, and who has a strong desire to work collaboratively with peers and partners in the credit space while building and enhancing Stripe’s collections processes s person will work alongside a global team of analysts and build cross‑functional partnerships with engineering, strategy, sales, vendor management and more.

The right candidate for this role should have an understanding of general credit principals, risk management, and credit modeling. Successful candidates will have a minimum of four years of experience in commercial credit collections and workouts within the payments, fintech, or financial services spaces.

• Work with merchants from venture‑backed startups to well‑established institutions
• Complete in‑depth credit reviews on merchants to identify credit concerns and collections strategies
• Investigate and triage escalations across multiple channels while providing accurate and timely responses
• Own operational processes such as credit collections reviews and handling urgent risk‑related escalations, upholding a strong commitment to process excellence and clear documentation
• Identify risk factors and trends and report them to the wider risk team
• Utilize analytics to optimize strategies to be enforced across the portfolio
• Maintain regular communication with cross‑functional stakeholders
• Identify gaps in current systems, policies, and strategies, and recommend enhancements and process improvements
• Lead team work streams related to credit decisioning and accuracy, providing updates in team and organization‑wide business reviews

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.

• 4+ years of relevant experience in commercial credit collections and managing workouts with a solid understanding of general commercial credit principals
• 1 or more years of experience leading risk‑related projects or initiatives working closely with cross‑functional stakeholders
• Experience using data to propose creative solutions to both tactical and strategic problems
• Creativity, a team‑focused mentality, and effective problem‑solving skills
• The ability and desire to question the status quo
• The ability to approach challenges from a user perspective while being pragmatic and solutions‑oriented
• Deep empathy for entrepreneurs running a business and a motivation to solve problems to empower them

• Credit experience in payments, e‑commerce, or fintechs
• Experience designing credit/risk workflows, analyst tooling, and procedural workflows
• Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations

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 Stripe Delivery Center roles in Mexico City, Mexico, Bengaluru, India, and Dublin, Ireland 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.

The annual US base salary range for this role is $89,000 - $133,400. Applicants who are not located in the US may request the annual salary range for their location during the interview process.

Additional benefits for this role may include equity, company bonus or sales commissions/bonuses; 401(k) plan; medical, dental, and vision benefits; and wellness stipends.

At Stripe, we welcome diverse perspectives and people who think rigorously and aren’t afraid to challenge assumptions. Join us.