Senior Machine Learning Engineer, Credit Risk

The Role
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. The Commerce team at Cash App provides different payment products such as BNPL (Buy Now, Pay Later), Pay monthly, Afterpay on Cash Card, etc. The Underwriting and Credit team is responsible for building systems that power credit risk management to all those products. Our services are part of Checkout, Home page and other key flows and are responsible for making lending and eligibility decisions for various products at AfterPay and Cash App.
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 will:

• Be responsible for designing, building and managing the distributed services and pipelines for Underwriting & Credit at Afterpay & 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

You have:

• 8+ years of backend software development experience in building and maintaining applications in any mainstream language such as: Java, 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
• 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
• Hibernate, MySQL, Cassandra DB, DynamoDB
• HTTP, JSON, gRPC, Protocol Buffers
• Kafka, event-driven microservice architecture

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