Greenhouse ·
full-timeUnderwriting Senior Analyst
Brex · San Francisco, California, United States
Brex is an intelligent finance platform that provides corporate cards, banking, spend‑management and travel software to businesses worldwide. The Underwriting Senior Analyst works within Brex’s Operations team, focusing on the credit‑card products. Daily tasks include evaluating the creditworthiness of business card applicants by reviewing bank and financial statements, handling intermediate‑level underwriting escalations, and monitoring key metrics such as approval rates and loss ratios. The analyst also reviews existing underwriting workflows, proposes and implements process improvements, and collaborates with Sales, Customer Experience, Engineering and Product teams to align underwriting outcomes with broader business goals. The role involves regular reporting of performance data, building relationships with internal risk partners, and mentoring junior staff. Ideal candidates hold a bachelor’s degree in finance, accounting, economics or a related field, have at least one year of experience in underwriting, credit risk or financial analysis, and possess strong analytical, communication and time‑management skills. Familiarity with GAAP/IFRS standards and financial‑statement analysis is required.
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,
| Role | Underwriting Senior Analyst |
|---|---|
| Company | Brex |
| Location | San Francisco, California, United States |
| Compensation | Not disclosed |
| Posted | 2026-09-01 |
| Deadline | Rolling |
Typical process for this type of role
A general guide — the exact steps for this specific listing may vary; check the original posting for details.
- 1ApplicationSubmit your resume through the apply link.
- 2ScreeningRecruiter reviews your background against the role.
- 3AssessmentA technical test, assignment, or coding round, depending on the role.
- 4Interview(s)One or more rounds with the hiring team.
- 5OfferOffer letter with compensation and start date.
Before you apply
0/4About Brex
Brex is a finance software platform that provides integrated financial services and software to help businesses manage their operations. The company serves over 35,000 customers, including startups, mid-size companies, and enterprises, as well as ecommerce brands. Its platform offers a suite of tools designed to automate financial workflows, including corporate cards, expense management, bill pay, accounting automation, and banking and treasury services. By utilizing AI-powered controls and integrations, Brex aims to help organizations manage spending, automate manual tasks, and operate globally across more than 120 countries. The platform is designed to support companies through various stages of growth, from initial launch to scaling operations.
More at Brex
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