Credit Risk Specialist

  • Atlanta, GA
  • 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 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 highly motivated finance professional to join Square’s world-class Risk organization to help understand and manage credit risk for sellers processing on Square. The ideal candidate will have an understanding of credit and financial analysis, and a desire to apply those skills in new and innovative ways to help Square grow our annual processing volume while controlling loss related to chargebacks. 

You will:

  • Perform reviews of high-risk seller accounts and take action in line with Square’s risk policies

  • Analyze risks associated with different seller business models and card processing patterns

  • Collect and review appropriate documentation necessary to assess and mitigate risk

  • Document decisions and rationale in accordance with our underwriting guidelines

  • Communicate with sellers via phone and email, including investigative-level conversations

  • Work effectively with internal partners including Fraud and Compliance, as well as multiple levels of management

  • Help identify process improvements and contribute to key Credit Risk projects and initiatives

Qualifications

You have:

  • Associate or Undergraduate degree in Finance, Economics, or Accounting desired

  • 1-2 years experience in credit, underwriting, finance, or related

  • Experience or demonstrated understanding in financial statement analysis

  • Previous experience in commercial banking or card processing a plus

  • Excellent organizational skills and attention to detail

  • Strong written and verbal communication skills

  • Self-starter; comfort dealing with ambiguity

  • Strong sense of accountability for helping our team achieve its collective goals and best-serve our customers 

  • Must be a team-oriented individual with a willingness to contribute new ideas, collaborate, and learn from and mentor others

  • Efficient and strong time management skills

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
  • Flexible time off
  • Learning and Development resources

Square, Inc. (NYSE: SQ) builds tools to empower businesses and individuals to participate in the economy. Sellers use Square to reach buyers online and in person, manage their business, and access financing. Individuals use Cash App to spend, send, store, and invest money. And TIDAL is a global music and entertainment platform that expands Square's purpose of economic empowerment to artists. Square, Inc. has offices in the United States, Canada, Japan, Australia, Ireland, Spain, Norway, and the UK.

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