Staff Data Scientist, Credit Policy (Square Financial Services)
Block, Inc. is a global financial-technology company building products for economic empowerment across payments, consumer finance, commerce, Bitcoin, music, and AI.
Projects
About Block, Inc.
Block, Inc., formerly Square, Inc., operates the Square and Cash App ecosystems and current businesses including Afterpay, TIDAL, Bitkey, Proto, and Spiral. Its current Bitcoin ecosystem includes Cash App Bitcoin services, Bitkey self-custody wallet technology, Proto mining systems, and Spiral open-source Bitcoin initiatives. Block also develops open-source AI and collaboration projects including Goose, Buzz, and Berd.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will own credit policy end to end for Square Financial Services, from evaluating new data signals to designing decisioning logic. You'll run and review experiments, maintain governance documentation, report portfolio performance to committees and leadership, and partner with Risk, Compliance and Audit while operating within a regulated bank.
Requirements
- 8+ years of related experience with a Bachelor's degree; or 6+ years and a Master's degree; or a PhD with 3+ years; or equivalent
- Degree in a technical field such as Computer Science, Mathematics, Statistics, Physics or Engineering
- Experience in credit policy governance at a bank, fintech or lender
- Hands-on experience designing and reviewing credit experiments
- Experience building portfolio monitoring and reporting
- Experience translating business objectives into credit policy guidelines
- Strong quantitative and data visualization skills
- SQL and Python proficiency preferred
- Familiarity with regulatory expectations for credit products preferred
- Clear communication with technical and non-technical audiences
Responsibilities
- Evaluate alternative external data sources and design policy strategies to underwrite new customer segments
- Own credit policy governance and reporting, including documentation, change logs and approval artifacts
- Deliver portfolio performance and policy-impact reporting to credit risk committees, leadership and oversight functions
- Design experiments such as champion/challenger tests, randomized holdouts and staged rollouts
- Review partner team experiment designs for statistical rigor, risk exposure and fair lending
- Form policy guidelines such as risk appetite thresholds, approval and limit standards, and concentration limits
- Partner with Risk Management, Compliance and Internal Audit on governance
- Support ad-hoc updates to policies and troubleshoot production issues
Benefits
- Remote work
- Medical insurance
- Flexible time off
- Retirement savings plans
- Modern family planning