Staff Product Data Scientist Lending
Block, Inc. is a technology company building tools for economic empowerment, operating a portfolio of financial brands including Square, Cash App, Afterpay, TIDAL, Bitkey, and Proto. It serves sellers, consumers, artists, and bitcoin users through payments, banking, buy-now-pay-later, music streaming, and bitcoin self-custody and mining products.
Maintainer signals as of 8/14/2026
About Block, Inc.
Block, Inc. builds technology aimed at increasing access to the global economy. Its brands each unlock different aspects of the economy: Square makes commerce and financial services accessible to sellers; Cash App is an easy way to spend, send, and store money; Afterpay (Clearpay in the UK) helps customers manage spending over time; TIDAL is a music platform empowering artists as entrepreneurs; Bitkey is a self-custody bitcoin wallet; and Proto builds open, accessible bitcoin mining hardware and services. Block has been a long-time advocate for bitcoin, integrating bitcoin buying/selling and Lightning Network payments into Cash App and Square, funding open-source bitcoin infrastructure through Spiral (including the Lightning Development Kit), and engaging in bitcoin policy advocacy through groups like COPA, the Digital Energy Council, the Crypto Council for Innovation, and the Texas Blockchain Council. The company also runs a significant open source program (contributing to projects like Goose, an on-machine AI developer agent, OkHttp, Retrofit, gRPC, Envoy, and MySQL) and an AI research effort, including co-founding the Agentic AI Foundation with Anthropic and OpenAI. Block serves individual consumers, small and medium-sized businesses/merchants, artists, and developers.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will build, measure, and improve lending and credit products. You will define metrics, evaluate experiments, analyze customer behavior, develop measurement frameworks, monitor risk performance and bias, use AI tools across the data science workflow, lead technical standards, connect insights across lending products, and mentor data scientists.
Requirements
- Bachelor's degree in statistics, data science, economics, computer science, or a similar quantitative field with 12+ years of relevant experience, or a graduate degree with 6-8+ years of relevant experience
- Advanced SQL
- Decision-oriented data visualization
- Product, analytical, and statistical judgment
- AI tools for analytical work
Responsibilities
- Turn product, customer, and risk data into insights and decision frameworks
- Use AI tools and agent workflows to accelerate analytical work
- Own analysis, metrics definition, experimentation, forecasting, visualization, and decision support
- Define and maintain measurement frameworks for credit products
- Evaluate model and policy performance with risk teams
- Monitor cohorts and identify bias or drift
- Design and analyze experiments, rollouts, and policy changes
- Communicate insights to technical, product, business, and risk stakeholders
- Lead technical direction and standards for the Data Science team
- Create reusable frameworks, measurement templates, and scalable tooling
- Connect measurement and insights across Lending products
- Mentor and develop junior data scientists
- Contribute to hiring through interviews and calibrations
Benefits
- Remote work
- Medical insurance
- Flexible time off
- Retirement savings plans
- Modern family planning