Software Engineer (Backend), Square Banking Global Loans

Since we opened our doors in 2009, the world of commerce has evolved immensely, and so has Square. After enabling anyone to take payments and never miss a sale, we saw sellers stymied by disparate, outmoded products and tools that wouldn't work together.
So we expanded into software and started building integrated, omnichannel solutions - to help sellers sell online, manage inventory, offer buy now, pay later functionality, book appointments, engage loyal buyers, and hire and pay staff. Across it all, we've embedded financial services tools at the point of sale, so merchants can access a business loan and manage their cash flow in one place. Afterpay furthers our goal to provide omnichannel tools that unlock meaningful value and growth, enabling sellers to capture the next generation shopper, increase order sizes, and compete at a larger scale.
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. There is a massive opportunity in front of us. We're building a significant, meaningful, and lasting business, and we are helping sellers worldwide do the same.

• The Role
  The Square Loans product helps business owners access capital to grow their businesses and manage cash flow. Loans are offered based on a seller's Square processing history, and repaid automatically as a percentage of daily card sales. Sellers use Loans as a means to access capital, expand their operations, bridge cash flow deficiencies, and grow their business. Square Loans is a mature product addressing ~$5B in financing needs for Square sellers per year. The Global Loans team owns and maintains these lending products, and iterates on them to deliver a seamless experience for Square sellers.
  As a software engineer on the Global Loans team, you'll implement new seller-facing features for our loans, help us rebuild and rearchitect the services that power them, and expand access to more Square sellers. You will develop financial systems with a focus on scalability and maintainability. To achieve this, you will collaborate with engineering peers, data scientists, and partners with the goal of improving sellers' ease of access to credit. If you love collaboratively delivering elegant software that improves the lives of business owners, we want to work with you!
  Example projects include:
  
  • Overhaul and rebuild the backend system that manages how we make, market, and monitor loan offers to sellers, improving its scalability and developer experience.
  • Launch a new loan product that considers sellers' off-Square revenue.
  • Expand access to credit in international markets.

  
  You Will
  

  • Support major projects to expand access to credit for our sellers and improve our backend systems.
  • Work with Engineering, Product, and other partners to build software that is clean and well-tested.
  • Oversee the entirety of your features, including component design, implementation, testing, roll-out and maintenance.
  • Partner with web and platform engineers to ship seller-facing features.
  • Work with designers, product managers, data scientists, and other developers to understand our problem space and create elegant solutions.
  • Become an expert in multiple technical areas of the team, and the technologies we use.
  • Build tools and features that refine loan operations for our teams.
  • Collaborate with and learn from senior engineers and tech leaders to grow your technical expertise.
  • Participate in ongoing training to maintain current knowledge of BSA/AML and perform BSA/AML responsibilities by job function.

  
  You Have
  

  • BS/BA degree or equivalent experience
  • 2+ years of software engineering experience
  • Experience building products end to end with other experienced engineers: creating engineering designs, building the code, writing tests, deploying changes, addressing bugs, and iterating
  • An interest in working with partners across Product, Design, Data Science, Operations among other departments
  • Familiarity with backend technologies such as Kotlin or Ruby on Rails

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 will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and "fair chance" ordinances.
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 .
While there is no specific deadline to apply for this role, U.S. roles are typically open for an average of 55 days before being filled by a successful candidate. Please refer to the date listed at the top of this job page for when this role was first posted.
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:
$135,200 - $202,800 USD
Zone B:
$128,500 - $192,700 USD
Zone C:
$121,700 - $182,500 USD
Zone D:
$115,000 - $172,400 USD
Every benefit we offer is designed with one goal: empowering you to do the best work of your career while building the life you want. Check out benefits at Block.
Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, and TIDAL, 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.