Credit Analyst, Square Capital

  • San Francisco, CA
  • Employees can work remotely
  • 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

Square's Capital team is looking for a 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. You will report to the lead of the Capital Credit team. 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 our client experience. Successful analysts quickly become experts on Square Capital and can impact the product roadmap and customer experience.

You Will

  • 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
  • Participate in ongoing training to maintain current knowledge of BSA/AML and perform BSA/AML duties as required by job function


  • 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
  • Detective-like mentality; simultaneous desire to help customers and obtain the truth
  • Must be a team-oriented individual with willingness to assist in training and development of new team members and/or contractors
  • Formal Credit Training a plus!

Additional Information

At Square, we value diversity and always treat all employees and job applicants based on merit, qualifications, competence, and talent. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of 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.


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