Credit Risk Underwriter

  • San Francisco, CA, USA
  • Full-time

Company Description

Square builds common business tools in unconventional ways so more people can start, run, and grow their businesses. When Square started, it was difficult and expensive (or just plain impossible) for some businesses to take credit cards. Square made credit card payments possible for all by turning a smartphone into a credit card reader. Since then Square has been building an entire business toolkit of both hardware and software products including Square Terminal, Square Appointments, Square Online Store, and more. 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

We are looking for a Credit Risk Underwriter to help manage chargeback risk for some of the largest sellers processing on Square. In this role, you will work closely with our Sales team throughout the onboarding process to provide a seamless seller experience while ensuring appropriate risk assessment and controls. The ideal candidate will have strong commercial credit underwriting skills, and takes joy in scouring financial statements to understand a company’s business model, key risks, and mitigating factors. Additionally, this candidate will enjoy building relationships internally and externally to help partners navigate the risk experience. Lastly, we are looking for someone who is able to prioritize effectively in a fast-paced environment while taking every opportunity to improve our operations and our people. 

You will:

  • Conduct in-depth credit reviews of our most strategic and high-risk sellers, which include preparing credit memorandums for approval by senior management
  • Lead due diligence calls with prospective and existing sellers to ensure that key risks are fully understood and mitigated
  • Work closely with partners in Sales, Account Management, and Finance & Strategy
  • Present to Credit Committees and cross-functional partners; effectively represent Credit Risk team and perspectives
  • Support principled risk-taking in emerging products and markets by building frameworks for credit analysis 
  • Contribute to the development of credit policies and add structure to areas of ambiguity
  • Proactively identify ways to improve our underwriting and operations; effectively prioritize and collaborate cross-functionally to execute on strategic initiatives 
  • Share learnings and expertise with team; drive accountability for team-level and individual results


You have:

  • 3 years of experience in commercial banking, credit, or payment industries
  • Advanced commercial credit underwriting skills, including complex financial statement analysis
  • Understanding and familiarity with diverse risk management tools and techniques
  • Strong professional communication skills both internal and external; ability to work with clients to understand their business and gather information
  • Able to prioritize effectively and meet deadlines in a high-growth environment
  • Data analysis skills and ability to translate findings into interpretable business case
  • BA/BS in Accounting, Finance, Economics, or a related field
  • Intermediate Excel/Sheets required; SQL 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. 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.


At Square, we want you to be well and thrive. Our global benefits package includes:

  • Healthcare coverage
  • Retirement Plans
  • Employee Stock Purchase Program
  • Wellness perks
  • Paid parental leave
  • Flexible time off
  • Learning and Development resources