Credit Lending Specialist

  • Toronto, Canada
  • 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 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. 

In this role, you will be responsible for conducting reviews of new and existing sellers, assessing credit risk for commercial lending as well as payment processing, and taking appropriate action in line with our risk policies. You will be comfortable in an operations environment, maintaining high quality standards while ensuring that we adhere to internal and seller-facing service-level agreements. You will have a thirst for knowledge—gathering insights, identifying areas for improvement, and contributing to key initiatives to push our team forward. Lastly, we expect you to be dynamic and adaptable, have a positive attitude, 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!

Job Responsibilities

  • Perform reviews of high-risk seller accounts and CAD loan applications 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


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

  • 1-2 years experience in credit, lending, 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

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.

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