Software Engineer, Credit Risk

Company Description

Since we first opened our doors in 2009, the world of commerce has evolved immensely – and so has Square. After enabling anyone to make a payment 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, run a busy kitchen, book appointments, engage loyal buyers, and hire and pay staff. And 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 all in one place.

Today, we’re a partner to sellers of all sizes – large, enterprise-scale businesses with complex commerce operations, sellers just starting out, as well as merchants who began selling with Square and have grown larger over time. As our sellers scale, so do our solutions. We all grow together.

There is a massive opportunity in front of us. We’re building a business that is big, meaningful, and lasting. And we are helping sellers around the world do the same.

Job Description

The Credit Risk team’s mission is to empower sellers to advance their businesses while managing credit risk within reasonable levels. To do this we build tooling that allows our Operations team to manage credit risk in payment processing. We also build seamless and intuitive solutions for our sellers, leveraging Square’s systems, machine learning models, and industry expertise to enable visibility into changes on their account. We enable trust with sellers using data and predictive analytics to make credit risk decisions, while maintaining high touch, tailored experiences for our largest sellers.

As a Software Engineer on Credit Risk Upmarket, you will design, implement, and own the services and infrastructure that build this trust with the largest sellers at Square. You will build beautiful web applications, design high-availability services, and work with complex distributed systems. If you love delivering software that improves the lives of business owners, we want to work with you!

As a member of the team, you’ll:

• Partner closely with product managers, designers, sales, machine learning engineers, and business leads to scope, plan, design, and build new features as well as maintain existing functionality.
• Design systems to work with our microservice and event-driven architectures
• Hold your teammates—and yourself—to high engineering standard
• Build incrementally, test everything, and deploy daily
• Have autonomy to research and achieve outcomes with support when you need it

Qualifications

• 2+ years of industry engineering experience 
• Interest in working full-stack across multiple technical domains, including backend microservices and internal/external user-facing tools
• A sense of customer empathy (both external and internal) and the desire to influence product direction
• Data-oriented mindset: you want your work to be measurable and impactful
• Interest in working in a modern development environment using the latest DevOps technologies
• Software development skills and computer science fundamentals

Skills

• Java
• Ruby on Rails
• Javascript, Ember, React, Sass, and other web-app frameworks
• MySQL
• JUnit
• Hibernate, Guice, GRPC

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 $152,100 - USD $185,900
Zone B: USD $144,500 - USD $176,700
Zone C: USD $136,900 - USD $167,300
Zone D: USD $129,300 - USD $158,100

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 partic