Senior Data Scientist, Square Banking

| San Francisco, CA, USA +80 more | Remote | Hybrid
Employer Provided Salary: 120,700-213,000 Annually
Salary data is provided by the employer. Please note this is not a guarantee of compensation.
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Company Description
Square builds common business tools in unconventional ways so more people can start, run, and grow their businesses. When Square started, it was difficult and expensive (or just plain impossible) for some businesses to take credit cards. Square made credit card payments possible for all by turning a mobile phone into a credit card reader. Since then Square has been building an entire business toolkit of both hardware and software products including Banking, Commerce, Staff and Customers.
Today, we are a partner to sellers of all sizes - large, enterprise-scale businesses with complex operations, sellers just starting, as well as merchants who began selling with Square and have grown larger over time. As our sellers grow, so do our solutions. We're working to find new and better ways to help businesses succeed on their own terms-and we're looking for people like you to help shape tomorrow at Square.
Job Description
Square Loans has revolutionized the way businesses obtain the funding needed to achieve their goals. Unlike traditional business financing products, Square Loans are extended to pre-qualified sellers. If approved after a short application, sellers receive their funds as soon as the next business day, and repayment happens as a fixed percentage of daily card sales.
Within Square Banking, the Square Loans team is working to help sellers of all sizes to get funding with their most acceptable repayment structure and bring our successful US lending products to international markets. As a Data Scientist on the Square Loans team, you will partner with cross functional stakeholders like Product, Credit Policy, Engineering, and Operations to shape and execute strategies that expand credit eligibility, enhance loan gross profit, and improve cohesive banking user experience on a global scale.
You will:

  • Be a strategic partner to influence product roadmap and guide Square Loans team to navigate through product opportunities
  • Operate cross-functionally and build strong partnerships with PM, Engineers, Credit Policy, Finance and Strategy, etc.
  • Design and lead A/B testings for Loans growth and Loans repayment optimization
  • Influence stakeholders to focus on product gaps and opportunities with quantifiable business and customer impact
  • Identify and develop a strong understanding of lending products and ideal customer profile with data exploration
  • Design and own business metrics for measuring lending products success

  • Qualifications
    You have:

    • 5+ years of Data Science or other quantitative field
    • Familiarity with product data science, understanding and tracking user behavior using analytical lenses like engagement, conversion, cohorts, segmentation and funnel analysis.
    • Experience collaborating and building relationships with cross-functional stakeholders, influencing business decisions with data.
    • Ability to lead initiatives across multiple product areas and communicate findings with leadership and product teams.
    • Advanced proficiency with data, analytics, and visualization technologies (we use SQL, Looker, and Python).
    • (Preferred) Experience in business lending, banking or payment services

    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 $142,000 - USD $213,000
    Zone B: USD $134,900 - USD $202,300
    Zone C: USD $127,800 - USD $191,600
    Zone D: USD $120,700 - USD $181,100
    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.
    We've noticed a rise in recruiting impersonations across the industry, where individuals are sending fake job offer emails. Contact from any of our recruiters or employees will always come from an email address ending with @ , @ , @ , or, @ .
    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.

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    Technology we use

    • Engineering
    • Product
    • Sales & Marketing
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    An Insider's view of Square

    How would you describe the company’s work-life balance?

    "Our remote work policy gives me the flexibility to both travel, and collaborate in office. Our remote policy lets me continue to do things I am passionate about, which encourages me to bring my most authentic self to the workplace and feel empowered."



    What does career growth look like on your team?

    “My internship at Square was great. I learned from world-class Engineers and was given a ton of ownership over meaningful projects. As a full time Engineer, I joined the same team I interned on, and have continued to build Machine Learning driven features that empower businesses.”


    Machine Learning Engineer

    What are Square Perks + Benefits

    Square Benefits Overview

    At Square, we want to provide you with benefits, perks, and offerings that empower you to make choices for your life and what matters to you. We understand the importance of having quality care. So, whatever stage of life you’re in, we offer coverage and plans to support total health — physical, mental, and financial — for you and your family.

    Volunteer in local community
    Partners with nonprofits
    OKR operational model
    Team based strategic planning
    Open office floor plan
    Employee resource groups
    Employee-led culture committees
    Hybrid work model
    Flexible work schedule
    Remote work program
    Dedicated diversity and inclusion staff
    Mandated unconscious bias training
    Diversity employee resource groups
    Hiring practices that promote diversity
    Diversity recruitment program
    Health Insurance + Wellness
    Flexible Spending Account (FSA)
    Disability insurance
    Dental insurance
    Vision insurance
    Health insurance
    Life insurance
    Wellness programs
    Mental health benefits
    Wellness days
    Abortion travel benefits
    Financial & Retirement
    401(K) matching
    Company equity
    Employee stock purchase plan
    Performance bonus
    Pay transparency
    Child Care & Parental Leave
    Childcare benefits
    Generous parental leave
    Family medical leave
    Adoption Assistance
    Fertility benefits
    Vacation + Time Off
    Generous PTO
    Paid holidays
    Paid sick days
    Flexible time off
    Floating holidays
    Bereavement leave benefits
    Office Perks
    Company-sponsored outings
    Free snacks and drinks
    Some meals provided
    Company-sponsored happy hours
    Onsite office parking
    Relocation assistance
    Fitness stipend
    Professional Development
    Job training & conferences
    Lunch and learns
    Promote from within
    Mentorship program
    Online course subscriptions available
    Customized development tracks
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    Virtual coaching services
    Apprenticeship programs

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