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LM
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Commercial Credit Operations Manager
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Stripe

Commercial Credit Operations Manager

Toronto, ON, Canada

The annual US base salary range for this role is $157,800 - $236,800. · Full-time

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Job details

Pay: The annual US base salary range for this role is $157,800 - $236,800.
Job type: Full-time
Apply by: Dec 11, 2026
Posting language: English
Posted: Nov 11, 2026

Original job description

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

Hybrid work at Stripe

This role is available either in an office or a remote location (35+ miles or 56+ km from a Stripe office).

In-office expectations

Office-assigned Stripes spend at least 50% of the time in a given month in their local office or with users. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for individuals and their teams.

Working remotely at Stripe

A remote location is defined as being 35 miles (56 kilometers) or more from one of our offices. While you would be welcome to come into the office for team/business meetings, on-sites, meet-ups, and events, our expectation is you would regularly work from home rather than a Stripe office. Stripe does not cover the cost of relocating to a remote location. We encourage you to apply for roles that match the location where you currently live or plan to live.

Pay and benefits

The annual US base salary range for this role is $157,800 - $236,800. For sales roles, the range provided is the role’s On Target Earnings ("OTE") range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and location. Applicants interested in this role and 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.

We look forward to hearing from you.

At Stripe, we're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out - and set you apart - especially if your career has taken some extraordinary twists and turns. At Stripe, we welcome diverse perspectives and people who think rigorously and aren't afraid to challenge assumptions. Join us.

Apply now

Please find our California applicant personal information notice here.

The application window will remain open for 100 days after the Job Post is published. However, this opportunity will remain open based on the needs of the business, which may cause the application window to close before or after the 100-day mark.

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More about this job

Responsibilities

Lead and develop the Credit Operations team, setting priorities and improving its systems, processes, and operating model to support scalable, high-quality credit decisions. Partner with strategy, product, engineering, and data science teams to launch and support products, implement risk controls and AI-enabled automation, and manage performance metrics, vendors, and operational improvements.

Requirements

Requires 10–15 years of commercial credit underwriting experience, 3–5 years leading credit risk or underwriting teams, and experience in financial risk modeling or cash-flow forecasting. Candidates should have a record of building and developing teams, launching and scaling programs, implementing automation with quality controls, and influencing cross-functional stakeholders; a relevant bachelor’s degree is preferred, with an advanced degree or certification a plus.

Skills

Commercial Credit Underwriting
Credit Risk Management
Team Leadership
Coaching and Development
Financial Risk Modeling
Cash-Flow Forecasting
Strategic Planning
Program Launch and Scaling
AI-Enabled Automation
Credit Controls
Stakeholder Management
Operational Process Improvement
Performance Metrics and Service-Level Agreements
Root-Cause Analysis
Vendor Management
SQL and Dashboarding

Benefits

Equity
Company Bonus
401(k) Plan
Medical Benefits
Dental Benefits
Vision Benefits
Wellness Stipends

Visa sponsorship

Not detected in the job text

Keywords

Commercial Credit Underwriting
Credit Operations
Credit Risk
Financial Risk Modeling
Cash-Flow Forecasting
Credit Controls
Risk Mitigation
AI-Enabled Automation
Quality Controls
Change Management
Credit Strategy
Product Launches
Operational Capabilities
Workforce Planning
Operating Metrics
Service-Level Agreements
Root-Cause Analysis
Vendor Performance
Compliance Standards
Accounting Principles
Financial Statement Analysis
Business Model Evaluation
SQL
Dashboards
Investigative Tools
Decisioning Tools

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Work requirements

Jobs in Canada