Braintree builds products that make payments easier—so easy that they fade into the background, making entirely new kinds of interactions possible. We're known for our technology but we're also known for our support, with internal risk and underwriting, account management and technical support teams who ensure a frictionless payments experience.

Braintree builds products that make payments easier—so easy that they fade into the background, making entirely new kinds of interactions possible. Interactions like seamlessly paying for your ride share—or the condo you rented this weekend—without presenting a card or pressing a button, or buying a lamp on Pinterest...right from Pinterest. The Braintree full-stack payment platform lets companies build their own experiences and then scale their businesses around the globe. We're known for our technology but we're also known for our support, with internal risk and underwriting, account management and technical support teams who ensure a frictionless payments experience.

Acquired by PayPal in 2013, Braintree is now in an even greater position to change the way people pay. Headquartered in Chicago, Braintree has offices in San Francisco, New York, Sydney, London with employees stationed around the world.

The best talent deserves the best perks. Join the Braintree Team and you’ll get catered lunches, tuition reimbursement, public transit commute reimbursement, and much more! 

Check us out - Braintree on The Muse | LinkedIn | Glassdoor | Facebook | Twitter

Role Description:

We’re looking for someone to join the first line of defense on the Braintree credit & risk organization. Working as gatekeepers for new merchant accounts, our Credit Analysts handle the merchant application review and onboarding process.

Ideally a candidate will have 1-2 years of credit analysis work experience related to merchant services underwriting and/or commercial lending, although we are also open to college hires. The ability to exercise sound judgment and be resourceful in all aspects of your work process are imperative to success as a Braintree Credit Analyst.

Responsibilities:

  • Review incoming application packages for compliance with internal and external policies
  • Analyze bank statements and/or financial statements to assess merchant credit risk
  • Prepare and present credit packages for new applications and periodic reviews for approval
  • Work closely with the Sales and Account Management teams to collect additional merchant information and explain decision rationales if needed
  • Assist with bank partner related work and geographic market expansion
  • Update internal documentation on process updates, industry trends, and credit policies
  • Stay current on merchant industry trends specific to the businesses we support
  • Serve as the first line of defense against merchant fraud

Requirements:

  • 1-2 years of credit analysis work experience related to merchant services underwriting and/or commercial lending preferred, college hires considered
  • Working knowledge of financial statements and financial statement analysis
  • Experience in preparing credit approval packages a plus, but not required
  • The ability to quickly form an opinion and communicate the thought process behind it verbally and in writing
  • An analytical team player who loves to evaluate degrees of financial risk
  • A highly-curious individual who wants to get to the source of anything even the least bit fishy
  • A top-notch inspector and investigator
  • A do-er, someone who is obsessed with details and getting things right
  • An individual with strong organizational skills and comfort with managing multiple work streams
  • A strong collaborator with previous experience liaising between various departments and persons

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don't hesitate to apply.

Company Reviews

"Whether you're teaming up on a project with a developer, underwriter, or support agent, you're bound to learn something new. It makes you want to bring your best work every day."
Kent Green
Product Team
at Braintree
"I've never been surrounded by such talented and capable minds -- it motivates you to become better every day."
Dan Uhle
Operations Project Manager
at Braintree
"A perfect job has always been working with people I like & doing work that solves problems. I work with people I love + trust, while providing tools merchants need. It doesn't get better than this."
Rachel Adams
Account Manager
at Braintree
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Why work with us
Every time you pay for an Uber ride or book on Airbnb, you’re using our product. Braintree lets you move money from one place to another safely and securely. It sounds complex (and it is), but we make it so simple, you wouldn't know we were there. We're people-focused, inside and out. We put our people first, whether it's employees or our clients.
Culture
At Braintree, opportunities to shine happen daily. We value what makes you different, and encourage you to act on your ideas–no matter how pie in the sky. You bring skills and a customer-first mentality and we'll bring the tools and environment you need to do the best work of your life.
Perks & Benefits
Daily catered lunches and salad bar
On-site yoga + gym discounts
Public transit reimbursement
Tuition reimbursement
401(k) with company match
Tracking Free Vacation
Paid parental + family leave
Competitive medical, dental and vision benefit plans
Great equipment including Mac laptops, adjustable standing desks and decked out conference rooms for team collaboration

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