Job Abstract

The Underwriting & Credit organization’s mission is to redefine credit and liquidity through simple, fair, and accessible credit solutions that build financial health and resilience. This team builds and integrates ML solutions for evaluating customer cash flow risk including risk of default on credit obligations, risk of fraud & abuse of loans and other situations where Cash App advances funds or provides liquidity to customers. We support multiple products in Cash. As a member of the ML system... more details

Job Description

As a member of the ML systems engineering team, you will work very closely with ML Modelers and Decision Scientists to integrate and productize credit risk models. The Underwriting systems engineering team is the main interface between the world of ML and product engineering, and as such your work will include everything from backend engineering, developing data pipelines, to creating features, and working with rules engines. We build our services over Cash App's ever-evolving infrastructure, and as a senior engineer on the team, you will embrace these changes and scale our tech stack to promote future evolvability. This is an exciting opportunity to make a direct, tangible impact on our product and work on projects that are critical to the business’s success. You'll be reporting to an Engineering Manager and working on a distributed team with members in the USA and Canada.

You will:

Be responsible for designing, building and managing the distributed services and pipelines for Underwriting & Credit Cash App
Lead impactful, multi-person projects that cross Engineering team boundaries
Demonstrate high code quality, good test coverage and other engineering best practices
Collaborate with product, analysts, and modelers on planning and implementing frictionless user experiences
Work cross-functionally with product, platform, security, and data engineering teams to unlock new machine learning applications
Have autonomy to research and achieve outcomes with support when you need it
Creatively solve challenging technical problems at scale
Contribute to the growth of our development capabilities through mentoring and supporting fellow engineers

Qualifications

You have:

8+ years of backend software development experience in building and maintaining applications in any mainstream language such as: Java, JavaScript, Python, Kotlin, Ruby, Go, Swift, C++
Enthusiasm about solving business problems with technology and proven experience successfully taking ownership of an end-to-end solution
Passion about continuously learning new technologies, frameworks, and services
Possess an execution mindset and the ability to deliver with cross-functional teams that are globally distributed
Serious about testing and have experience with automated testing frameworks
Passion for Cash App's mission of economic empowerment
Experience of ML model-related experience is a bonus
Experience with common technologies, for example, Kafka, Redis, Cassandra is a bonus
A keen interest in advancing Cash App's vision of building for economic empowerment

Tools we use and teach:

Python, Java, Kotlin
Kubernetes, AWS
Datadog, SumoLogic
Hibernate, MySQL, Cassandra DB, DynamoDB
HTTP, JSON, gRPC, Protocol Buffers
Kafka, event-driven microservice architecture

Additional Information

Block takes a market-based approach to pay, and pay may vary depending on your location. U.S. locations are categorized into one of four zones based on a cost of labor index for that geographic area. The successful candidate’s starting pay will be determined based on job-related skills, experience, qualifications, work location, and market conditions. These ranges may be modified in the future.

Zone A: USD $198,000 - USD $297,000
Zone B: USD $188,100 - USD $282,100
Zone C: USD $178,200 - USD $267,400
Zone D: USD $168,300 - USD $252,500

To find a location’s zone designation, please refer to this resource. If a location of interest is not listed, please speak with a recruiter for additional information.

Full-time employee benefits include the following:

Healthcare coverage (Medical, Vision and Dental insurance)
Health Savings Account and Flexible Spending Account
Retirement Plans including company match
Employee Stock Purchase Program
Wellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowance
Paid parental and caregiving leave
Paid time off (including 12 paid holidays)
Paid sick leave (1 hour per 26 hours worked (max 80 hours per calendar year to the extent legally permissible) for non-exempt employees and covered by our Flexible Time Off policy for exempt employees)
Learning and Development resources
Paid Life insurance, AD&D, and disability benefits

These benefits are further detailed in Block's policies. This role is also eligible to participate in Block's equity plan subject to the terms of the applicable plans and policies, and may be eligible for a sign-on bonus. Sales roles may be eligible to participate in a commission plan subject to the terms of the applicable plans and policies. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.

We’re working to build a more inclusive economy where our customers have equal access to opportunity, and we strive to live by these same values in building our workplace. Block is a proud equal opportunity employer. We work hard to evaluate all employees and job applicants consistently, without regard to race, color, religion, gender, national origin, age, disability, veteran status, pregnancy, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.

We believe in being fair, and are committed to an inclusive interview experience, including providing reasonable accommodations to disabled applicants throughout the recruitment process. We encourage applicants to share any needed accommodations with their recruiter, who will treat these requests as confidentially as possible. Want to learn more about what we’re doing to build a workplace that is fair and square? Check out our I+D page.

Additionally, we consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.

Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, TIDAL, and TBD, we build tools to help more people access the economy. Square helps sellers run and grow their businesses with its integrated ecosystem of commerce solutions, business software, and banking services. With Cash App, anyone can easily send, spend, or invest their money in stocks or Bitcoin. Spiral (formerly Square Crypto) builds and funds free, open-source Bitcoin projects. Artists use TIDAL to help them succeed as entrepreneurs and connect more deeply with fans. TBD is building an open developer platform to make it easier to access Bitcoin and other blockchain technologies without having to go through an institution.

While there is no specific deadline to apply for this role, on average, U.S. open roles are posted for 70 days before being filled by a successful candidate.

Apply with Square, Inc.

Search Terms: Underwriting, Machine Learning, Systems Engineer, Backend Engineer, Credit

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Underwriting Jobs: $15-$57/Hr. Multiple Positions Hiring Immediately

San Francisco

Hiring Immediately! Multiple Positions Available. $15-$57/Hr.