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About the Role
As an Underwriting Senior Analyst, your goal is to ensure our underwriting processes run smoothly and efficiently for our cards products. You'll exercise judgment within established underwriting frameworks to resolve moderately complex cases involving multiple contributing factors. This is a role that requires strong communication, time management, and teamwork. You will implement solutions to uplift processes and engage cross-functionally with our Sales, Customer Experience, Engineering and Product teams to contribute to meeting organizational goals.
Responsibilities
- Assess the credit quality in terms of our business credit card customers' ability to repay
- Review bank statements and financial statements to underwrite Brex customers
- Handle intermediate-level underwriting escalations requiring deeper investigation into applicant financials or edge-case scenarios
- Review existing underwriting processes and proactively identify and recommend improvements that align underwriting outcomes with broader organizational goals
- Track and communicate key underwriting metrics (e.g., approval rates, turnaround time, loss rates) to stakeholders in a clear and meaningful way
- Build and maintain relationships with key partners across Risk, Sales, Engineering, and Product to drive underwriting initiatives forward
- Serve as a subject matter expert within your area of underwriting, executing with high precision and actively helping to up-level those around you
- Contribute to the ongoing learning and success of your team and the company by sharing knowledge through mentorship, collaboration, and aiding in documentation
Requirements
- Bachelor's degree in finance, accounting, economics or related field
- 1+ years of experience in underwriting, credit risk, financial analysis, or a related field
- Passionate about credit and underwriting decisions on commercial exposures for small to large businesses
- Understanding of GAAP/IFRS accounting standards and bank/financial statement analysis
- Familiarity with quantitative credit risk models, probability of default and loss given default concepts
- Proficiency with Google Sheets, Excel, and Hex (or similar BI tools) for data extraction and analysis
- Deep familiarity with underwriting/credit tooling used to investigate and resolve escalations
- Strong analytical rigor and attention to detail
- Customer centric and passionate about thinking through customer needs and working with them while balancing risk exposures
- Experience working cross-functionally with teams such as Sales, Customer Experience, Engineering, or Product, with strong written and verbal communication skills
- Ability to communicate technical problems in an elegant and tactful way
- Familiarity with banking regulations and global markets
- FinTech, Big 4, Accounting or other financial experience preferred
Skills
- Communication
- Time management
- Teamwork
- Google Sheets
- Excel
- Hex (or similar BI tools)
- Data extraction
- Data analysis
- Underwriting/credit tooling
- Analytical rigor
- Attention to detail
- Customer centricity
- Risk balancing
- Written communication
- Verbal communication
- Technical problem communication
Location
- San Francisco
Work Type
- Hybrid
- Remote
Experience Level
- Senior Analyst
- 1+ years of experience
Education Level
- Bachelor's degree in finance, accounting, economics or related field
Salary/Compensations
- $74,128 - $92,660 USD
Benefits
- Up to four weeks per year of fully remote work
About the Company
- Brex is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets. By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, Brex enables founders and finance teams to accelerate operations, gain real-time visibility, and control spend effortlessly. Brex’s AI-native automation and world-class service eliminate manual expense and accounting tasks for customers so they can focus on what matters most. Tens of thousands of the world's best companies run on Brex, including DoorDash, Coinbase, Robinhood, Zoom, Plaid, Reddit, and SeatGeek.
- Working at Brex allows you to push your limits, challenge the status quo, and collaborate with some of the brightest minds in the industry. We’re committed to building a diverse team and inclusive culture and believe your potential should only be limited by how big you can dream. We make this a reality by empowering you with the tools, resources, and support you need to grow your career.
- Operations is the backbone of Brex’s mission to power businesses through our Intelligent Finance Platform. We own credit, fraud, money movement, and payments, protecting our customers and our company. From product operations that ensure flawless launches to scalable systems that drive innovation and precision, we operate at the intersection of product, design, engineering, and customer success. If you want to work at the heart of the business, Operations is where you belong.
Equal Opportunity
- Brex LLC is a wholly owned subsidiary of Capital One, N.A.
- Please be aware, job-seekers may be at risk of targeting by malicious actors looking for personal data. Brex recruiters will only reach out via LinkedIn or email with a brex.com domain. Any outreach claiming to be from Brex via other sources should be ignored.