---
title: 'Underwriting Analyst at Brex'
canonical: 'https://feeny.ai/job/underwriting-analyst-brex-sao-paulo-y7ntg5yyq187'
type: 'job'
last_seen: '2026-10-16'
---

# Underwriting Analyst at Brex

- **Company:** Brex
- **Location:** São Paulo, Brazil
- **Posted:** 2026-10-08
- **Last confirmed live:** 2026-10-16
- **Apply:** https://www.brex.com/careers/8879575002?gh_jid=8879575002

## Job description

## Why join us

Brex is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets. By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, Brex enables founders and finance teams to accelerate operations, gain real-time visibility, and control spend effortlessly. Brex’s AI-native automation and world-class service eliminate manual expense and accounting tasks for customers so they can focus on what matters most. Tens of thousands of the world's best companies run on Brex, including DoorDash, Coinbase, Robinhood, Zoom, Plaid, Reddit, and SeatGeek.

Working at Brex allows you to push your limits, challenge the status quo, and collaborate with some of the brightest minds in the industry. We’re committed to building a diverse team and inclusive culture and believe your potential should only be limited by how big you can dream. We make this a reality by empowering you with the tools, resources, and support you need to grow your career.

Operations at Brex

Operations is the backbone of Brex’s mission to power businesses through our Intelligent Finance Platform. We own credit, fraud, money movement, and payments, protecting our customers and our company. From product operations that ensure flawless launches to scalable systems that drive innovation and precision, we operate at the intersection of product, design, engineering, and customer success. If you want to work at the heart of the business, Operations is where you belong.

## What you'll do

As an Underwriting Analyst, your goal is to support our underwriting processes for our card products and grow your skills as a credit professional. This is a role that requires strong communication, time management, financial analysis, and teamwork. You will partner cross-functionally with our Sales, Customer Experience, Engineering, and Product teams to contribute to meeting organizational goals, and will have the opportunity to develop into more senior credit responsibilities over time.

## Responsibilities

- Own and work assigned cash-based underwriting queues, including account reviews, limit changes, and credit-related requests.
- Evaluate customer creditworthiness and repayment capacity using bank statements, transaction data, cash-flow trends, and other business information.
- Analyze cash balances, revenue, burn, runway, utilization, and transaction activity to identify evolving credit risk.
- Make sound, risk-based recommendations within delegated authority, balancing customer impact with responsible exposure management.
- Clearly communicate underwriting decisions, rationale, and information requirements to internal partners and, when needed, customers.
- Partner with Sales, Customer Experience, Credit Policy, Risk, Data, Product, and Engineering to resolve complex cases and improve the end-to-end credit experience
- Identify recurring issues and opportunities to improve underwriting quality, efficiency, and consistency.
- Use data, spreadsheets, and AI-enabled tools to streamline routine work and surface actionable insights.
- Partner with cross-functional teams to improve tools and workflows that support cash-based underwriting.

## Requirements

- Passionate about credit and underwriting decisions on commercial exposures for small to large businesses
- Strong analytical rigor and attention to details
- Customer centric and passionate about thinking through customer needs and working with them while balancing risk exposures
- Ability to communicate technical problems in an elegant and tactful way

Bonus Points

- Familiarity with quantitative credit risk models, probability of default (PD), and loss given default (LGD) concepts
- Familiarity with underwriting or credit-risk tooling and workflows.
- Experience using SQL, Hex, spreadsheets, or similar tools to analyze data and identify trends.
- Familiarity with banking regulations and global markets
- Experience using Salesforce or comparable case-management tools

Brex LLC is a wholly owned subsidiary of Capital One, N.A.

Please be aware, job-seekers may be at risk of targeting by malicious actors looking for personal data. Brex recruiters will only reach out via LinkedIn or email with a [brex.com](http://brex.com/) domain. Any outreach claiming to be from Brex via other sources should be ignored.

## About Brex

## Company Overview
- **One-liner**: Brex provides a modern finance platform combining corporate cards, expense management, travel booking, banking, and treasury services, all powered by AI-driven automation.
- **Entity Type**: Private (backed by venture capital; last known Series D3 at $12.3B valuation in 2022)
- **Headquarters**: San Francisco, California, United States
- **Founded**: 2017
- **Founders**: Henrique Dubugras and Pedro Franceschi

## Core Business
- Primary industry/industries: Financial technology (fintech) – specifically spend management, corporate cards, expense automation, and business banking.
- Target customers: B2B – startups, mid-size companies, and enterprises; over 35,000 companies use Brex.
- Mission/purpose statement: "Empower employees anywhere to make better financial decisions."

## Products & Services
- **Corporate Cards**: Physical and virtual corporate cards with built-in spend controls, real-time budgets, and cash back/rewards.
- **Expense Management**: AI-powered automation for receipts, expense reports, and approvals; integrates with ERP systems.
- **Travel**: In-app global travel booking and management with policy enforcement.
- **Bill Pay**: Automated invoice entry, approval workflows, and vendor payments.
- **Banking & Treasury**: Business cash accounts with up to 4.36% yield, same-day liquidity, and up to $6M in additional FDIC insurance.

## Market Standing
- **Valuation/Market Cap**: $12.3 billion (Series D3, 2022 – recent valuation not disclosed; may have changed)
- **Key Metric**: Over 35,000 businesses use Brex (source: brex.com). Total funding exceeds $1.5 billion (publicly reported, not detailed in provided sources).
- **Notable Investors/Partners**: Greenoaks, IVP, Tiger Global, Y Combinator, Kleiner Perkins, DST Global, Max Levchin, Peter Thiel, Lone Pine Capital, Ribbit Capital.
- **Growth Signals**: Named #2 on Fast Company’s 2023 Top 50 Disruptors; expanding AI-driven finance automation; 756 hours average time saved per year for customers; 71% of expenses prepared on Brex handled entirely by automation.

## Competitive Advantages
- **All-in-one platform**: Combines cards, expense management, travel, bill pay, and banking in a single stack – reducing the need for multiple vendors.
- **AI-powered automation**: Uses AI to automate receipt capture, expense categorization, approval workflows, and GL coding, enabling faster close.
- **Higher credit limits**: Offers up to 30x higher credit limits compared to traditional providers.
- **Founder-centric culture**: Over 100 Brex alumni have started their own companies (4x industry average), signaling a culture that breeds entrepreneurship.

## Strategic Focus
- **AI-first finance**: Continually investing in AI to eliminate manual work (e.g., AI expense assistant, invoice automation).
- **Global expansion**: In-app global travel and multi-entity support for international teams.
- **Enterprise penetration**: Deepening ERP integrations, procurement flows, and vendor-specific card controls for mid-market and enterprise clients.
- **Cash management innovation**: Offering competitive treasury yields to attract and retain deposits.

## Why Work Here
- **Culture**: Emphasizes “Be the founder of your career” – hires people with “grit, autonomy, and ambition” and supports rapid growth. Values include Growth Mindset, Ownership, Customer Obsession, and One Brex.
- **Remote-first**: Committed to remote-first work, with in-office days/offsets for connection and up to 4 fully remote weeks per year. Employees can optimize time and location.
- **Benefits**: Generous parental leave, Carrot Fertility, Milk Stork, medical/dental/vision, Spring Health (mental health), Calm app, generous vacation, and year-end company shutdown.
- **Headcount**: ~800 employees (Built In), 501–1,000 range (The Muse) with 7 offices globally.
- **Engineering focus**: Strong engineering culture visible through “Building Brex” blog and emphasis on automation and AI.

## Sources
1. [brex.com](https://www.brex.com/careers)
2. [brex.com](https://www.brex.com/about)
3. [brex.com](https://www.brex.com/index)
4. [builtin.com](https://builtin.com/company/brex/faq/workplace-perception)
5. [themuse.com](https://www.themuse.com/profiles/brex)

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