Senior Underwriter, FinTech (Hybrid)

Brex Inc.; San Francisco (CA); Hybrid; USD 74,000 - 93,000; Full time

Job summary

Brex in San Francisco is seeking an Underwriting Senior Analyst to ensure our underwriting processes run smoothly for our card products. You will apply judgment within established frameworks to resolve moderately complex cases and work cross-functionally with Sales, Customer Experience, Engineering, and Product.

This is a hybrid role based in our SF office with a minimum three coordinated in-office days per week (Mon, Wed, Thu) and up to four weeks per year of fully remote work.

Qualifications

• Bachelor's degree in finance, accounting, economics or related field.
• 1+ years of underwriting, credit risk, financial analysis, or related field.
• Understanding of GAAP/IFRS accounting standards and bank/financial statement analysis.
• Experience with Google Sheets, Excel, and Hex or similar BI tools.
• Strong communication and cross-functional collaboration skills.

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

Skills

Analytical rigor

Cross-functional collaboration

Education

Bachelor's degree in finance, accounting, economics or related field

Tools

Google Sheets

Excel

Hex BI tools

Job description

Brex in San Francisco is seeking an Underwriting Senior Analyst to ensure our underwriting processes run smoothly for our card products. You will apply judgment within established frameworks to resolve moderately complex cases and work cross-functionally with Sales, Customer Experience, Engineering, and Product.

This is a hybrid role based in our SF office with a minimum three coordinated in-office days per week (Mon, Wed, Thu) and up to four weeks per year of fully remote work.