Underwriter

| Chicago

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. 

Role Description:

We're looking for someone to join our team responsible for underwriting e-commerce merchants. The ideal candidate will have 2+ years of merchant service work experience related to e-commerce underwriting and/or commercial lending. The ability to exercise sound judgment and be resourceful in all things is imperative to success as a Braintree Underwriter.

Responsibilities:

  • Assess business model risk and determine credit exposure risk on new and existing merchants to determine appropriate course of action
  • Analyze financial and bank statements to assess credit worthiness
  • Prepare persuasive underwriting packages as required
  • Assist Account Management and Sales with customer calls requiring explanation of specific internal credit policies and decisions related to those policies
  • Monitor and investigate merchants’ credit card processing activities using internal and external Risk monitoring tools
  • Answer internal and merchant inquiries regarding risk management issues
  • Stay current on merchant industry trends specific to the industries we support

Requirements:

  • 2+ years of merchant service work experience related to merchant underwriting and/or commercial lending
  • Solid financial statement analysis
  • Experience in preparing underwriting packages
  • A highly-curious individual who wants to get to the source of anything even the least bit fishy
  • A highly analytical team player who loves to evaluate degrees of financial risk
  • A top-notch inspector and investigator
  • An acute sense of right and wrong with the calculations to back it up
  • A candidate secure enough to be schooled in foosball and ping pong on a regular basis

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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Technology we use

  • Engineering
    • GolangLanguages
    • JavaLanguages
    • JavascriptLanguages
    • PythonLanguages
    • RubyLanguages
    • ClojureLanguages
    • RustLanguages
    • ReactLibraries
    • ReduxLibraries
    • Node.jsFrameworks
    • Ruby on RailsFrameworks
    • DropwizardFrameworks
    • CassandraDatabases
    • PostgreSQLDatabases
    • S3Databases

Location

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

Culture
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
Diversity
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)
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
Sabbatical
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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