信用运营经理
Credit Operations Manager
我们是谁
关于 Stripe
Stripe 是一家面向企业的金融基础设施平台。数以百万计的公司——从全球最大的企业到最具雄心的初创公司——使用 Stripe 来接受支付、增长收入并加速新的商业机会。我们的使命是提升互联网的 GDP，而我们还有大量工作要做。这意味着你将有机会在职业生涯中从事最重要的工作，同时让全球经济触手可及。
关于团队
风险团队帮助维护全球企业的健康金融生态系统。信用运营部门进行信用风险评估，为中小用户承销，并制定缓解策略，使 Stripe 能够在支持增长的同时做出明智的风险决策。这个分布在全球的团队与各地区的利益相关者合作，支持新老用户和产品。
你将负责
作为信用运营经理，你将领导并发展一支信用运营分析师团队，同时为可扩展、高质量的运营设定战略愿景。你将通过将产品策略转化为运营能力及适当的信用控制措施，来支持新旧 Stripe 产品的推出。你将与信用策略、产品、工程和数据科学团队合作，推出新项目，并推动信用运营中的 AI 驱动自动化。
职责
- 通过设定明确目标、提供定期指导和反馈，以及支持职业发展，领导、激励和发展一支高绩效的信用运营团队
- 评估团队当前和未来的能力需求，并与招聘、人力规划和发展策略合作，填补关键差距
- 在与信用部门更广泛战略保持一致的前提下，为团队设定优先级，并将其转化为明确的目标、工作计划和运营机制
- 持续改进信用运营的系统、流程和运营模式，以提高决策质量，缓解新兴风险，并高效扩展
- 通过评估信用和运营影响、定义需求和控制措施，支持新旧 Stripe 产品的推出，并为上线和持续支持做好准备
- 与风险领导层及跨职能利益相关者合作，优先考虑风险缓解、运营效率和用户体验方面的投资
- 使用 AI 驱动的工具，并与技术和运营的利益相关者合作
查看英文原文
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 Risk team helps maintain a healthy financial ecosystem for businesses around the world. Credit Operations conducts credit risk assessments, underwrites small and mid-sized users, and develops mitigation strategies that enable Stripe to take smart risks while supporting growth. The globally distributed team partners with stakeholders across regions to support new and existing users and products.
What you’ll do
As a Credit Operations Manager, you will lead and develop a team of credit operations analysts while setting a strategic vision for scalable, high-quality operations. You will help enable new and existing Stripe products by translating product strategies into operational capabilities and appropriate credit controls. In partnership with Credit Strategy, Product, Engineering, and Data Science, you will launch new programs and advance AI-enabled automation across Credit Operations.
Responsibilities
- Lead, motivate, and develop a high-performing Credit Operations team by setting clear goals, providing regular coaching and feedback, and supporting professional growth
- Assess the team’s current and future capability needs and partner on hiring, workforce planning, and development strategies to close material gaps
- Set priorities for the team in alignment with Credit’s broader strategy and translate them into clear goals, work plans, and operating mechanisms
- Evolve Credit Operations’ systems, processes, and operating model to improve decision quality, mitigate emerging risks, and scale efficiently
- Support new and existing Stripe products by assessing credit and operational impacts, defining requirements and controls, and preparing Credit Operations for launch and ongoing support
- Partner with Risk leadership and cross-functional stakeholders to prioritize investments in risk mitigation, operational efficiency, and user experience
- Use AI-enabled tools and partner with technical and operational stakeholders to test and implement automation, with appropriate quality controls and change management
- Define and manage operating metrics and service-level agreements, using performance insights and root-cause analysis to drive improvements
- Oversee credit-related vendor performance and ensure work meets applicable quality and compliance standards
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
- 10-15 years of work experience in commercial credit underwriting
- 3-5 years of experience leading credit risk or underwriting teams in a fast-paced, high-growth environment
- Experience in financial risk modeling or cash-flow forecasting
- Proven track record of building, leading, and developing high-performing teams, including setting goals, managing performance, and coaching team members
- Strong strategic thinking and problem-solving skills with the ability to translate complex challenges into actionable solutions
- Excellent communication and stakeholder-management skills, with the ability to influence across functions
- Demonstrated experience designing, launching, and scaling programs, products, or operational capabilities from planning through implementation and measurement
- Experience using AI-enabled tools and partnering with technical and operational stakeholders to implement automation, including quality controls, change management, and team adoption
- Commitment to delivering a user-centered experience while effectively managing risk
Preferred qualifications
- Experience supporting credit-related product launches or translating product capabilities into operational requirements, workflows, controls, and launch-readiness plans
- Strong knowledge of accounting principles and experience evaluating financial statements and business models across industries
- Experience analyzing data and creating dashboards using SQL
- Experience partnering with engineering teams to develop or improve investigative and decisioning tools
- Bachelor’s degree in a relevant field; advanced degree or certification is a plus