Product Lead, Borrow

Job Description
The Lending team's mission is to expand access to credit for the 40M Americans with poor or thin credit. These individuals often struggle to make ends meet, and rely on predatory products like payday lenders or pawn shop loans. At Cash App Lending, we offer alternatives that are far cheaper, simpler, and straightforward.
Borrow, our flagship product, allows customers to get extra cash when they're short. Our customers primarily use it to cover everyday necessities like groceries, gas, and bills. Demand for the product has been massive, making Borrow one of the fastest growing products at Block. We've grown 3x over the last year, serve over 4.5M monthly active customers, and provide our customers with more than $8B in access to credit each year.
We're far from done though, and have ambitious plans to scale Borrow to all 40M Americans with poor credit. We're looking for a gritty, driven Product Lead to lead us towards this vision. This role has significant executive visibility and is a top priority for the company.
You Will

• Partner with design and engineering to build a simple and delightful UX.
• Partner with the ML team to maximize access to credit within risk loss constraints.
• Partner with legal and compliance to keep us in good standing with our regulators.
• Partner with other product teams to weave Borrow into the broader Cash App ecosystem.
• Drive cross functional and executive alignment around a vision and roadmap

You Have

• 8+ years of product management or related experience delivering successful and innovative products.
• Strong analytical abilities - ideally you've worked on ML or data-heavy products in the past, and are excellent at using data to make strategic decisions.
• Strong product sense - you care deeply about design details and have great taste in design.
• A driver's mindset - you are biased toward action with no task too big or small.
• A high quality bar - for the product, yourself, and the people you work with.
• Customer obsession - you want to deeply understand our customers and make something great for them.
• Highly preferred
  • Experience working in a high growth consumer business, whether FinTech or other
  • Experience leading and working with geographically dispersed teams

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 an equal opportunity employer evaluating all employees and job applicants without regard to identity or any legally protected class. We also consider qualified applicants with criminal histories for employment on our team, and always assess candidates on an individualized basis.
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 .
Block will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and "fair chance" ordinances.
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.
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.
Zone A:
$180,000 - $270,000 USD
Zone B:
$171,000 - $256,600 USD
Zone C:
$162,000 - $243,000 USD
Zone D:
$153,000 - $229,600 USD
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.