Underwriting Senior Analyst

Why join us

• 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.

What you'll do

• 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.

Where you'll work

• This role will be based in our San Francisco office.
• We are a hybrid environment that combines the energy and connections of being in the office with the benefits and flexibility of working from home.
• We currently require a minimum of three coordinated days in the office per week, Monday, Wednesday and Thursday.
• As a perk, we also have up to four weeks per year of fully remote work!

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

Bonus Points

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

Compensation

• The expected salary range for this role is $74,128 - $92,660 USD.
• However, the starting base pay will depend on a number of factors including the candidate's location, skills, experience, market demands, and internal pay parity.
• Depending on the position offered, equity and other forms of compensation may be provided as part of a total compensation package.
• 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.