Senior Underwriter
BeatBread
Marketing & Communications
Los Angeles, CA, USA
Posted on Aug 13, 2025
The opportunity
BeatBread is reshaping the music industry by providing independent artists and labels with access to flexible funding and financial freedom. Leveraging data science and cutting-edge financial technology, we empower creators to retain control of their careers while accessing the capital they need to grow.
The team is seeking a highly analytical and strategic leader to serve as lead of beatBread’s Underwriting Team. This person will oversee a team responsible for underwriting music royalty deals, performing detailed financial analyses and conducting due diligence on artist, label and writers’ revenues, splits, rights and contractual relationships.
This role will be directly responsible for final review and approval for each potential deal ensuring high standards of accuracy and maintaining and improving beatBread’s underwriting processes in collaboration with its sales, technology, operations and product teams. This person must be a proactive problem solver with exceptional organizational skills with a passion for the music and technology sectors. The role requires the ability to handle confidential information with discretion, manage multiple priorities, and work effectively in a fast-paced and innovative environment.
What you’ll do:
- Lead and develop a high-performing team of underwriting analysts specializing in music royalties.
- Review and approve all underwriting analyses and due diligence reports to generate confirmed advance offers for artists and labels
- Analyze detailed royalty statements from PROs, distributors, publishers, and record labels providing strategic guidance to the team.
- Partner closely with legal to correctly interpret royalty statements ensuring alignment with artist/label/distribution agreements and statements
- Collaborate with finance, business development, and sales teams to craft competitive and well-structured offers.
- Assess the risk and valuation of music royalty streams by evaluating historical earnings, market trends, streaming history and contractual terms.
- Stay on top of industry news that may impact royalty payments or valuations
- Identify anomalies or inconsistencies in royalty and streaming data, investigate root cause, and work across teams to troubleshoot and resolve issues and understand the “why” behind the data
- Flag risks associated with given patterns of streaming and revenue statements, along with review of agreements and royalty statements, with the assistance of beatBread’s risk assessment tools
- Present underwriting findings and valuation reports to internal stakeholders and clients
- Partner with and coach sales team members to thoroughly assess the underlying context of each deal, ensuring alignment on key details, the accuracy of incoming information and the terms of the final offer.
- Proactively identify and implement process improvements to enhance the efficiency, accuracy, and strategic value of the underwriting function.
- Coordinate with product and technology teams to build and improve internal tools
- Develop training and documentation for underwriting process and team
About you:
- Bachelor's degree in Finance, Accounting, Economics, Music Business, or a related field preferred.
- 4+ years of experience in underwriting, financial analysis, royalty accounting, or a similar role.
- Proficiency in Excel (advanced formulas, pivot tables, data modeling) and experience handling large datasets.
- Familiarity with music publishing, performance rights, and digital distribution revenue streams.
- Strong analytical skills with the ability to assess complex financial data and understand “the forest from the trees”
- Attention to detail and ability to work independently in a fast-paced environment.
- Passion for music and knowledge of the evolving landscape of music rights and royalties.
- Based inLA or St. George, UT.
Why Join beatBread?
- Impact: You will play a critical role in shaping the future of music funding and helping independent artists and labels grow.
- Growth: Join a rapidly scaling company at a pivotal stage. Your contributions will directly impact the trajectory of the business.
- Culture: A dynamic, fast-paced, and innovative environment where your ideas and leadership will make a real difference.
beatBread is a lucky combination of music business executives with decades of experience, startup folks who love music, data scientists who live to dig into billions of data points and software developers who were born to build cool stuff.
Join us to shape the future of the music industry.