Credit Analyst, Square Capital (SF)

  • San Francisco, CA
  • Full-time

Company Description

When we launched the little white reader, we invented mobile, ubiquitous payments and enabled anyone to start, run, and grow a business. Ten years and billions of transactions later we’re reimagining commerce for businesses of all types and sizes—we’re enabling the independent electrician to send invoices, helping the beauty salon pay its employees, and giving the burgeoning coffee chain capital for a second, third, and fourth location. We’re working to find new and better ways to help businesses succeed on their own terms—and we’re looking for people like you to help shape tomorrow at Square.

Job Description

Square's Capital team is seeking a highly motivated 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!

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