Senior Software Engineer - Payment Recovery

Company Description

It all started with an idea at Block in 2013. Initially built to take the pain out of peer-to-peer payments, Cash App has gone from a simple product with a single purpose to a dynamic ecosystem, developing unique financial products, including Afterpay, to provide a better way to send, spend, invest, borrow and save to our 47 million monthly active customers. We want to redefine the world’s relationship with money to make it more relatable, instantly available, and universally accessible. This is our mission, and it’s why working at Cash App means so much more than a job.

Today, Cash App has thousands of employees working globally across office and remote locations, with a culture geared toward innovation, collaboration and impact. We’ve been a distributed team since day one, and many of our roles can be done remotely from the countries where Cash App operates. No matter the location, we tailor our experience to ensure our employees are creative, productive, and happy.

Check out our locations, benefits, and more at cash.app/careers!

Job Description

Marketplace under Cash App provides different payment products such as BNPL (Buy Now, Pay Later) or pay monthly to customers. The Credit Risk Payment Recovery team is responsible for building systems that power installment attempts to all those products. We build deep integrations with underlying financial infrastructures and ensure that our products are able to scale. 

About the teams that are currently hiring in the US on the Marketplace Credit Risk team:

Payment Recovery: We own installment attempts/re-attempt for every order under Cash App Marketplace.  Our payment recovery platform processes millions of installment attempts daily that are backed by complex strategies to charge installments with minimal processing cost. We are also responsible for creating critical risk signals that significantly impact credit decisions for each order transaction of Cash App Marketplace. 

You will:

• Design, build and support the core systems used to power all installments recovery on Cash App Marketplace
• Break existing monoliths into event-driven micro-services 
• Creatively solve challenging technical problems at scale
• Partner closely with product managers, risk analysts, product engineers, and business leads to define our roadmap 
• Have autonomy to research and achieve outcomes with support when you need it
• Contribute to the growth of our development capabilities through leading, mentoring, and supporting fellow engineers

Qualifications

You have: 

• 6+ years of experience delivering quality software
• Natural curiosity to learn new technologies, solve interesting problems and build quality software
• Desire to find flaws in a system with many moving parts and take whatever steps are necessary to fix them
• Desire to perform and grow as an engineer
• Technical initiative and leadership on previous projects

Technologies we use and teach:

• Go, Java, Kotlin
• Kubernetes, AWS
• Datadog, NewRelic
• Hibernate, MySQL, Cassandra DB, DynamoDB
• HTTP, JSON, gRPC, Protocol Buffers
• Kafka, event-driven microservice architecture

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 $167,300 - USD $204,500
Zone B: USD $158,900 - USD $194,300
Zone C: USD $150,600 - USD $184,000
Zone D: USD $142,200 - USD $173,800

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. 

Benefits include the following:

• Healthcare coverage
• 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
• Learning and Development resources
• Paid Life insurance, AD&D. and disability benefits 
• Perks such as WFH reimbursements and free access to caregiving, legal, and discounted resources 

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