Credit Risk Underwriter

  • Atlanta, GA
  • Full-time

Company Description

We believe the economy is better when everyone has access. When everyone has room to grow. No one should be left out because the cost is too great or the technology too complex. We started with a little white credit card reader but haven’t stopped there. We’re empowering the independent electrician to send invoices, setting up the favorite food truck with a delivery option, helping the ice cream shop pay its employees, and giving the burgeoning coffee chain capital for a second, third, and fourth location. 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 is seeking a seasoned Recovery & Collections Lead to join our dynamic risk operations team. In this role, you will lead a team of recovery specialists tasked with helping Square Sellers resolve their negative balances incurred by chargeback loss. This position will work closely with Risk Leadership to set goals for the team around recovery rates and Seller churn reduction. It requires an in-depth understanding of the principles of both risk loss associated with chargebacks and collections best practices.

You Will:

  • Lead a team of 4-6 high performing specialists in a fast- paced environment including performance management, coaching and driving the vision for the team.

  • Build team; manage recruiting efforts and partner with Talent Team to bring in top quality candidates to fill critical role.

  • Develop and implement comprehensive recovery and business rules that balance recovery rates, cost, and customer experience.

  • Lead root cause analysis to identify opportunities to improve our phone and email best practices and manage our quality control program to ensure policy adherence.

  • Utilize analytics to optimize existing recovery strategies, in order to increase recovery rates and reduce Seller churn.

  • Extract and analyze data, investigate data integrity, generate metrics and perform data and portfolio analysis.

  • Generate recovery metrics to show the performance of fraud systems for use in management reporting.

  • Identify gaps in current systems, policies, tools and strategies and take actions to mitigate operational errors.

  • Build strong relationships with Disputes, Support, and Account Management teams to improve cross functional collaboration in the event of large loss events.

  • Manage multiple projects to enhance and optimize recovery strategy, systems and tools.

  • Recommend enhancements and process improvements based on assessment of current systems and processes.


You Have:

  • A Bachelors Degree 

  • 3+ years in payments, recovery/collections, chargebacks, or a related field

  • A customer-first approach

  • Strong quantitative analytical experience. Ability to analyze large transactional data sets, interpret and react to ambiguous situations, and make decisions under pressure. 

  • A solid understanding of the payments landscape across all participants - issuer, merchant, acquirer, and network

  • Excellent written, oral, and presentation skills and an ability to synthesize information and make clear, concise recommendations on a course of action

  • A creative and team-focused mindset, with a problem-solving approach that has a bias towards action taking

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. Perks At Square, we want you to be well and thrive. Our global benefits package includes: Healthcare coverage, Retirement Plans, Employee Stock Purchase Program, Meal reimbursements, Wellness perks, Paid parental leave, Flexible time off, Learning and Development resources