Underwriting Senior Analyst

Brex•San Francisco, CA

1d•$74,128 - $92,660•Hybrid

About The Position

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 at Brex 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.

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

Nice To Haves

Familiarity with banking regulations and global markets
FinTech, Big 4, Accounting or other financial experience preferred

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