We started with a simple idea—that everyone should be able to accept credit cards—and we’ve been rethinking buying and selling ever since.

For sellers, we’re creating one cohesive service to run your entire business, from a register in your pocket to analytics on your laptop. For buyers, we’re making it faster to order from the businesses you love and more fun to pay your friends back.

Buying and selling sound like simple things—and they should be. Somewhere along the way, they got complicated. We’re working hard to make commerce easy for everyone.

Square's Capital team is seeking a highly motivated mid-level Capital Credit Analyst to mitigate credit risk within the business financing space. The Capital team at Square is responsible for safely providing funds to our customers to help them grow their businesses. In this role, you will analyze data using internal/external tools to distinguish risky accounts from opportunities across different types of businesses. The ideal candidate would love credit underwriting and finding creative ways to manage risk while improving the client experience. Successful analysts quickly become experts on Square Capital and have an opportunity to impact the product roadmap and customer experience.

Job Responsibilities

• Define, test, and implement new strategies for the prevention of loss on Capital
  
• Monitor Capital accounts to maintain default rate within investor requirements
  
• Communicate with clients including investigative level conversations
  
• Maintain accurate up to date process documentation and reporting
  
• Collaborate with Risk, Legal, Compliance, and Finance to set policies and reduce loss
  
• Track and report performance metrics
  
• Surface opportunities to improve tools, workflow and customer experience
  

• 2+ years experience in business lending or credit risk underwriting
  
• Experience with financial analysis including reviewing financial statements
  
• Previous experience with Merchant Acquiring or Credit Card processing is a plus
  
• BS degree in Finance, Mathematics, or Accounting desired
  
• Flexibility to adapt and able to manage multiple assignments while working independently
  
• Enjoys working in fast-paced and rapidly changing start-up environment
  
• Detective-like mentality; simultaneous desire to help customers and obtain the truth
  
• Excellent organizational/analytical skills / Superb oral and written communication skills
  
• Must be a team-oriented individual with willingness to assist in training and development of new team members and/or contractors
  
• Contagious passion for Square’s mission
  
• Formal Credit Training a plus!
  

At Square, we value diversity and always treat all employees and job applicants based on merit, qualifications, competence, and talent. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.