Ayan Paul

As a Senior Credit Risk Associate at Stripe, I play a key role in upholding a healthy and sustainable financial ecosystem that supports businesses of all sizes across the globe. My work directly impacts Stripe’s profitability and growth by enabling smart, scalable risk taking through rigorous credit analysis and operational execution.

Core Responsibilities:-

• Evaluated enterprise businesses, from startups to established institutions, through rigorous credit analysis.
• Drove informed underwriting decisions and tailored risk mitigation strategies aligned with Stripe’s tolerance.
• Managed and optimized Stripe’s credit portfolio by developing comprehensive industry risk insights.
• Identified emerging trends and shared actionable insights with the broader risk organization.
• Leveraged analytics to enhance risk strategies and ensure consistent enforcement across portfolios.
• Addressed policy, system, and workflow gaps, recommending enhancements for improved efficiency.
• Collaborated with global risk operations to enhance user experience on the Samhitha project.
• Mentored colleagues, promoted best practices, and fostered an inclusive team culture.

• Conduct financial review of high-risk accounts of the merchant of a reputed payment processing company.
• Close all the assigned 'Jira' tickets by completing qualitative and quantitative analysis of the merchants.
• Analyze & spread different financial statements (P&L, Balance Sheet, Cash flow, tax returns) & bank statements into moody's creditlens & inscribe to assess the credit worthiness of those companies.
• Perform financial assessments (growth trends, efficiency ratios, cash flow generation, burn rate, debt levels, overall liquidity), interpreting financial performance and assessing credit exposure.
• Review public company financials from Moody's creditedge, sec.gov, company information (UK) etc.
• Monitor & investigate credit card processing (disputes/chargebacks, refunds & fraudulent transactions) using internal & external risk monitoring tools.
• Identify trends and validate potential larger impacts to the portfolio for further escalation.
• Research & gather all relevant information of the company & industry from the internet for the purpose of underwriting.
• Evaluate the risk of default of the customers and work with the senior underwriters based in the USA to mitigate the risk.
• Prepare a credit memo based on the financial & credit analysis and provide a recommendation on the risk and mitigation measures.

Worked as a Scrubber in post close underwriting (US Mortgage process).

• Team Handling - Leave approval, Quality control & improvement, meet daily team SLA & productivity.
• Evaluate credit worthiness of the borrower by analyzing Credit report, Fraud report, Income, Asset, Bank Statements, Title report, Appraisal etc.
• Review Conventional, FHA, VA loans (both Purchase & Refi) as per FNMA, FHLMC & lender guidelines.
• Evaluate debt ratio, loan-to-value ratios, LTV, CLTV, credit scores property valuations and various other factors when making underwriting decisions.
• Calculate Non-employment, Bank statement, Rental Income etc.
• Update LOS by analyzing 1003, Note, Security Instrument, Appraisal, Insurance, Title, Income, Asset, Bank Statements, REO, Credit Report, LE, CD etc.
• Run Compliance engine & raise/clear exceptions.
• Review loan files for completeness and accuracy including but not limited to application and closing package, disclosures and their timelines.
• Determine and document loan conditions, communicate requirements, and decisions.
• Take care of Daily loan assignments for the team & query resolution.
• Prepare weekly team quality reports & present the same in weekly management calls.
• Do RCA & share the outcome with Manager & Leads & help improve team quality.
• Collate & validate rebuttals for the team & send it to onshore.
• Interact with on-shore & clients on calls & email for query resolution & other assistance.

Achievements:-

• Maintained good productivity with quality which helped in getting promotion within the first 6 months.
• Handled a batch of 28 trainees for the certification process.

• Worked on post close QC for initial 2 years, later moved to post close underwriting process.
• Loan processing & underwriting.
• Calculate income (Wage, Child support, SSA, Retirement, Bank statement, IRA distribution etc.).
• Calculate self employed income from individual & business tax returns (1040, 1120, 1120s, 1065 etc.).
• Calculate HTI, DTI, LTV, CLTV etc.
• Work on the MIS part & send reports to the on-shore counterpart.
• Maintain requisite standards of quality, productivity & query management.
• Handling complex QC processing and making sure the inventory is completed in a timely fashion with 100% satisfaction.
• Involved in quality analysis and providing guidance to the team ensuring completed knowledge transfer.
• Cascade process related updates to the team and provide floor support in SME's absence.
• Ensure adherence to Quality norms and processes.
• Participate in client calls to discuss clarification items & understand their requirements.

Achievements:-

• Got promoted as a Senior Process Executive based on performance within a year.
• Received multiple Client Appreciations.
• Received R&R & awards for Top Performer.