Credit Strategy Associate

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Operations at Brex

The Operations team is the bridge between our products and our customers. Our priority is to keep our customers happy and their businesses protected, while communicating vital information to our internal teams. We are responsible for underwriting all of our customers, while simultaneously managing Brex’s risk exposures. We work cross-functionally with the Risk, Compliance, Data, and Engineering teams to allow Brex to scale efficiently, keeping quality top of mind.

What you’ll do

If you enjoy credit analysis and interaction with customers, the Credit Strategy Associate role provides the perfect mix. You will work closely with our underwriting and Sales teams and act as the Credit representative for the Sales team and our customers. 

You will also spend a portion of your time working on credit strategy which requires critical thinking and innovation. Credit strategy develops policies and procedures on how to support Brex’s products to make sure we provide the best credit experience for our customers across Brex’s different products.

Where you’ll work

This role will be based in our Salt Lake City office. You must be willing to work in office at least 2 days per week on Wednesday and Thursday. Employees will be able to work remotely for up to 4 weeks per year, for a minimum of one week at a time.

Responsibilities

• Strong commercial/corporate credit analysis experience and ability to review bank statements and financial statements to underwrite Brex customers
• Assess customers' credit quality and ability to repay the Brex card limit  
• Collaborate with the Sales and Business Development teams to help onboard customers and provide a white glove credit experience
• Work closely with team members across functions on credit experience and credit risk models-related projects
• Work with data to make data-backed recommendations on the portfolio and credit experience improvements 

Requirements

• Bachelor’s degree in finance, accounting, economics or statistics
• 2+ years of credit and underwriting experience 
• 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 
• Strong analytical rigor and attention to detail
• Customer-centric and passionate about thinking through customer needs 
• Ability to communicate technical problems in an elegant and tactful way

Bonus points

• Knowledge on underwriting Private Equity backed customers/companies 

Compensation

The expected salary range for this role is $86,400 USD - $108,000 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.