Credit Analyst at Braintree

| Chicago
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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! 

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Role Description:

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

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.


  • Review incoming application submissions for compliance with internal and external policies
  • Analyze bank statements and/or financial statements to assess merchant credit risk
  • Prepare and present initial & periodic credit reviews for new and existing merchants to the team and approvers
  • 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


  • 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
  • An independent inspector and investigator, with the ability to utilize resources at hand to arrive at the answer, and ask meaningful questions
  • 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, and knows no task is beneath them

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don't hesitate to apply. You can also check out our FAQ!

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222 Merchandise Mart Plaza, Chicago, IL 60654

An Insider's view of Braintree

What projects are you most excited about?

Braintree is committed to continual improvement in the areas of D&I. We do this by emphasizing our values of Ask Why, Care A Lot, and Solve Together, Ensuring D&I is an ongoing conversation at all levels of the company, offering company-wide D&I trainings, and supporting employee developed events.

Anna Johnson

Diversity & Inclusion Program Manager

How do you empower your team to be more creative?

Working on internal products, I have a direct feedback channel to my teammates, to help fix things when they aren't quite right. Seeing this multiplier effect in action, seeing how it unlocks my teammates to new productive ends, is extremely satisfying.

Andrew Harris

Software Engineer

What are Braintree Perks + Benefits

Friends outside of work
Eat lunch together
Intracompany committees
Daily stand up
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Pair programming
Open office floor plan
Dedicated Diversity/Inclusion Staff
Unconscious bias training
Diversity manifesto
Someone's primary function is managing the company's diversity and inclusion initiatives
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Wellness Programs
Retirement & Stock Options Benefits
401(K) Matching
Company Equity
Employee Stock Purchase Plan
Performance Bonus
Match charitable contributions
Child Care & Parental Leave Benefits
Child Care Benefits
Acme Co. provides Backup child care assistance.
Generous Parental Leave
Family Medical Leave
Adoption Assistance
Company sponsored family events
Acme co. sponsors family oriented events Annually.
Vacation & Time Off Benefits
Unlimited Vacation Policy
Generous PTO
Paid Volunteer Time
Paid Holidays
Perks & Discounts
Beer on Tap
Casual Dress
Commuter Benefits
Free Daily Meals
Game Room
Stocked Kitchen
Professional Development Benefits
Job Training & Conferences
Tuition Reimbursement
Diversity Program
Cross functional training encouraged
Promote from within
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