Credit Risk Underwriter
- Scottsdale, AZ
We are looking for a Credit Risk Underwriter to help manage chargeback risk for some of the largest sellers processing on Square. You will work with our Sales team throughout the onboarding process to provide a seamless seller experience ensuring appropriate risk assessment and controls. You will have commercial credit underwriting skills, and take joy in scouring financial statements to understand a company’s business model, key risks, and mitigating factors. Additionally, they help partners navigate the risk experience. Lastly, they will take every opportunity to improve our operations and our people.
Conduct in-depth credit reviews of our most high-risk sellers, including 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 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
Proactively identify ways to improve our underwriting and operations; and collaborate to build strategic programs
Share insights and expertise with team; promote accountability for team-level and individual results
4-5 years of experience in commercial banking, credit, or payment industries
Advanced commercial credit underwriting skills, including complex financial statement analysis
Familiarity with diverse risk management tools and techniques
Strong professional communication skills internally and externally; able to work with clients to understand their business and gather information
Data skills and ability to translate findings into interpretable business case
Intermediate Excel (can perform complex functions) /Sheets required;
We’re working to build a more inclusive economy where our customers have equal access to opportunity, and we strive to live by these same values in building our workplace. Square is a proud equal opportunity employer. We work hard to evaluate all employees and job applicants consistently, without regard to race, color, religion, gender, national origin, age, disability, pregnancy, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.
We believe in being fair, and are committed to an inclusive interview experience, including providing reasonable accommodations to disabled applicants throughout the recruitment process. We encourage applicants to share any needed accommodations with their recruiter, who will treat these requests as confidentially as possible. Want to learn more about what we’re doing to build a workplace that is fair and square? Check out our I+D page.
Additionally, we consider qualified applicants with criminal histories for employment on our team, and always assess candidates on an individualized basis.
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
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.