Underwriting Analyst

Brex; São Paulo; On-site; BRL 120,000 - 180,000; Full time

Job summary

Brex is seeking an Underwriting Analyst to join its Operations team. You will support cash-based underwriting for Brex card products, partnering with Sales, CX, Credit Policy, Risk, Data, Product, and Engineering to drive accurate decisions.

You'll analyze bank statements, cash-flow trends, and transaction data to assess creditworthiness, communicate decisions clearly, and help improve underwriting processes with data-driven insights.

Qualifications

• Passionate about credit and underwriting decisions on commercial exposures.
• Strong analytical rigor and attention to details.
• Customer centric and balanced risk exposures.
• Ability to communicate technical problems clearly.

Responsibilities

• Own and manage cash-based underwriting queues, including account reviews, limit changes, and credit-related requests.
• Evaluate customer creditworthiness and repayment capacity using bank statements, transaction data, cash-flow trends, and other business information.
• Analyze cash balances, revenue, burn, runway, utilization, and transaction activity to identify evolving credit risk.
• Make sound, risk-based recommendations within delegated authority, balancing customer impact with responsible exposure management.
• Clearly communicate underwriting decisions, rationale, and information requirements to internal partners and, when needed, customers.
• Partner with Sales, Customer Experience, Credit Policy, Risk, Data, Product, and Engineering to resolve complex cases and improve the end-to-end credit experience
• Identify recurring issues and opportunities to improve underwriting quality, efficiency, and consistency.
• Use data, spreadsheets, and AI-enabled tools to streamline routine work and surface actionable insights.
• Partner with cross-functional teams to improve tools and workflows that support cash-based underwriting.

Skills

Analytical thinking

Attention to detail

Customer focus

Communication

Tools

SQL

Hex

Salesforce

Spreadsheets

Job description

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.

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 Analyst, your goal is to support our underwriting processes for our card products and grow your skills as a credit professional. This is a role that requires strong communication, time management, financial analysis, and teamwork. You will partner cross-functionally with our Sales, Customer Experience, Engineering, and Product teams to contribute to meeting organizational goals, and will have the opportunity to develop into more senior credit responsibilities over time.

Responsibilities

• Own and work assigned cash-based underwriting queues, including account reviews, limit changes, and credit-related requests.
• Evaluate customer creditworthiness and repayment capacity using bank statements, transaction data, cash-flow trends, and other business information.
• Analyze cash balances, revenue, burn, runway, utilization, and transaction activity to identify evolving credit risk.
• Make sound, risk-based recommendations within delegated authority, balancing customer impact with responsible exposure management.
• Clearly communicate underwriting decisions, rationale, and information requirements to internal partners and, when needed, customers.
• Partner with Sales, Customer Experience, Credit Policy, Risk, Data, Product, and Engineering to resolve complex cases and improve the end-to-end credit experience
• Identify recurring issues and opportunities to improve underwriting quality, efficiency, and consistency.
• Use data, spreadsheets, and AI-enabled tools to streamline routine work and surface actionable insights.
• Partner with cross-functional teams to improve tools and workflows that support cash-based underwriting.

Requirements

• Passionate about credit and underwriting decisions on commercial exposures for small to large businesses
• Strong analytical rigor and attention to details
• Customer centric and passionate about thinking through customer needs and working with them while balancing risk exposures
• Ability to communicate technical problems in an elegant and tactful way

Bonus Points

• Familiarity with quantitative credit risk models, probability of default (PD), and loss given default (LGD) concepts
• Familiarity with underwriting or credit-risk tooling and workflows.
• Experience using SQL, Hex, spreadsheets, or similar tools to analyze data and identify trends.
• Familiarity with banking regulations and global markets
• Experience using Salesforce or comparable case-management tools

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.