We started with a simple idea—that everyone should be able to accept credit cards—and we’ve been rethinking buying and selling ever since.

For sellers, we’re creating one cohesive service to run your entire business, from a register in your pocket to analytics on your laptop. For buyers, we’re making it faster to order from the businesses you love and more fun to pay your friends back.

Buying and selling sound like simple things—and they should be. Somewhere along the way, they got complicated. We’re working hard to make commerce easy for everyone.

Square Inc is looking for an enthusiastic finance candidate for a credit risk analyst role to help us analyze merchant/consumer accounts (both current and potential) for credit risk during underwriting review. This candidate will perform preliminary and on-going risk reviews for credit risk considerations across Square"s product family and contribute to the development of decision rubrics and policies. Additionally, this role will work directly with our Sales team in order to review and engage with new merchants to analyze credit risk with a goal of preventing loss while ensuring our potential clients have an almost frictionless experience through our onboarding process.

You will:
● Perform a review of high risk merchants to analyze merchants utilizing credit fundamentals

● Analyze merchants for financial risk through a detailed review of business type, available financial information, and third party data sources to evaluate risk. Propose and/or execute actions based on analysis

● Continually analyze available data to identify risk scenarios, identify/execute process enhancements, and analyze credit risk holistically across Square"s base of merchants 

● Contribute to the development of credit risk policies and procedures. Identify and obtain additional information sources, and contribute to the creation of new internal databases as appropriate

● Develop reporting and metrics

● Perform financial calculations to determine appropriate ratios for analysis to assess business health and recommend/execute decision-making for new and existing accounts

● Assist with educating internal departments regarding the management of credit risk, and communicate with internal departments regarding specific inquiries which require explanation of specific credit policies and decisions related to those policies 

You have:

● Associate or Undergraduate degree in Finance, Mathematics, or Accounting desired 

● 2+ years" experience with credit risk underwriting policies and processes 

● Previous experience with Merchant Acquiring or Credit Card processing is a plus

● Experience with financial analysis including reviewing financial statements

● Excellent organizational / analytical skills / superb oral and written communication skills

● Must be a team-oriented individual with willingness to work with all levels of staff & customers and management with a positive attitude and willingness to assist in training and development of new team members and/or contractors

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.