Credit Risk Specialist - Bilingual (French/English)

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 mobile phone into a credit card reader. Since then Square has been building an entire business toolkit of both hardware and software products including Square Capital, Square Terminal, Square Payroll, 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 finance professional to join Square's excellent Risk organization to help manage credit risk for sellers processing on Square. You understand credit and financial analysis, and a desire to apply those skills in new ways to help Square grow our annual processing volume while controlling loss related to chargebacks. You will conduct reviews of all sellers, assessing credit risk associated with processing activity, and taking appropriate action following our risk policies. You will maintain high quality standards while ensuring that we follow internal and seller-facing service-level agreements. You will have a thirst for knowledge—gathering insights, identifying areas for improvement, and contributing to essential programs to push our team forward. Lastly, you will be dynamic and be passionate for Square's mission of Economic Empowerment. If all of this sounds exciting, you may be a good fit and we look forward to hearing from you!

You will:

Perform reviews of high-risk seller accounts and following Square's risk policies
Analyze risks associated with different seller business models and card processing patterns
Collect and review appropriate documentation necessary to mitigate risk
Document decisions and rationale observing our underwriting guidelines
Communicate with sellers by phone and email, including investigative-level conversations
Work with internal partners including Fraud and Compliance, and multiple levels of management
Help identify process improvements and contribute to Credit Risk initiatives

Qualifications

You have:

Spoken and written fluency in English and French.
Associate or Undergraduate degree in Finance, Economics, or Accounting
Experience in payments or FinTech
3+ years experience in credit operations, risk, underwriting, finance, or related
Previous experience in acquiring/card processing a plus
Experience or demonstrated understanding in financial statement analysis
Strong sense of accountability for helping our team achieve its collective goals and best-serve our customers
Must be a team-oriented person with a willingness to contribute new ideas, and learn from and mentor others

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)squareup.com. 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
Wellness perks
Paid parental leave
Paid time off
Learning and Development resources