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Salary: USD 74,128 - 92,660 / annual
Brex is an intelligent finance platform enabling companies to spend smarter and move faster across 200+ markets. The Operations team owns credit, fraud, money movement, and payments—the backbone of Brex's mission. As an Underwriting Senior Analyst, you'll ensure underwriting processes run smoothly and efficiently for Brex's cards products, exercising judgment within established frameworks to resolve moderately complex cases involving multiple contributing factors.
You'll assess credit quality by reviewing bank statements and financial statements to evaluate customers' ability to repay. You'll handle intermediate-level underwriting escalations requiring deeper investigation into applicant financials and edge-case scenarios. Beyond case-by-case decisions, you'll proactively review existing underwriting processes and recommend improvements that align outcomes with organizational goals. You'll track and communicate key metrics—approval rates, turnaround time, loss rates—to stakeholders in clear, meaningful ways.
This role requires strong cross-functional collaboration with Risk, Sales, Engineering, and Product teams to drive underwriting initiatives forward. You'll serve as a subject matter expert in your underwriting area, executing with high precision while actively mentoring and up-leveling teammates through knowledge sharing, collaboration, and documentation.
The role is based in Brex's New York City office with a hybrid model requiring a minimum of three coordinated days in-office per week (Monday, Wednesday, Thursday). You'll also have up to four weeks per year of fully remote work flexibility.
You'll need a bachelor's degree in finance, accounting, economics, or a related field, plus 1+ years of experience in underwriting, credit risk, financial analysis, or related work. Strong analytical rigor, attention to detail, and customer-centric thinking are essential. You should be proficient with Google Sheets, Excel, and BI tools like Hex; understand GAAP/IFRS accounting standards and financial statement analysis; and be familiar with quantitative credit risk models (probability of default, loss given default). Experience with underwriting/credit tooling, cross-functional teamwork, and the ability to communicate technical problems tactfully are required.
