Credit Specialist, Square Capital

  • New York, NY
  • Full-time

Company Description

We believe everyone should be able to participate and thrive in the economy. So we’re building tools that make commerce easier and more accessible to all. We started with a little white credit card reader but haven’t stopped there. Our new reader helps our sellers accept chip cards and NFC payments, and our Cash app lets people pay each other back instantly. We’re empowering the independent electrician to send invoices, setting up the favorite food truck with a delivery option, and helping the ice cream shop pay its employees. And, with Square Capital, we have extended over $1 billion in funding to our sellers, helping them manage their cashflow and making it easy to invest in and grow their business. Let’s shorten the distance between having an idea and making a living from it. And make it easier for customers to shop and pay at their favorite businesses. We’re here to help sellers of all sizes start, run, and grow their business—and helping them grow their business is good business for everyone.

Job Description

Square's Capital team is seeking a highly motivated entry-level Capital Credit Specialist 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 have a strong attention to detail and enjoy finding creative ways to manage risk while improving the client experience. Successful specialists 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, Product, Legal, Compliance, and Finance to set policies and reduce loss

  • Track and report performance metrics

  • Surface opportunities to improve tools, workflow and customer experience



  • Experience in business lending, credit risk, and/or UCC liens a plus

  • Experience with financial analysis including reviewing financial statements

  • 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

  • Must have 1-2 years of experience


Additional Information

At Square, our purpose is to empower – within and outside of our walls. In order to build the best tools for the businesses and customers we support all over the world, we have to start at home with a workforce as diverse and empowered as our sellers. To this end, we take great care to evaluate all employees and job applicants equally, based on merit, competence, and qualifications. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or any other characteristic protected by law. We encourage candidates from all backgrounds to apply and always consider qualified applicants with arrest and conviction records, in accordance with the San Francisco Fair Chance Ordinance. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us by sending an email to assistance(at) We will treat your request as confidentially as possible. In your email, please include your name and preferred method of contact, and we will respond as soon as possible.