Senior Machine Learning Engineer - Underwriting & Credit

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/Clearpay, 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.

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

The Underwriting & Credit organization’s mission is to redefine credit and liquidity through simple, fair, and accessible credit solutions that build financial health and resilience. This team builds and integrates ML solutions for evaluating customer cash flow risk including risk of default on credit obligations, risk of fraud & abuse of loans and other situations where Cash App advances funds or provides liquidity to customers. We support multiple products in Cash. 

As a member of the team, you will design, build and launch credit products and features. We build our services over Cash App's ever-evolving infrastructure, and as a senior engineer on the team, you will embrace these changes and scale our tech stack to promote future evolvability. This is an exciting opportunity to make a direct, tangible impact on our product and work on projects that are critical to the business’s success. You'll be reporting to an Engineering Manager and working on a distributed team with members in the USA and Canada.

You will:

• Be responsible for designing, building and managing the distributed services for Underwriting & Credit Cash App
• Creatively solve challenging technical problems at scale
• Demonstrate high code quality, good test coverage and other engineering best practices 
• Work on impactful, multi-person projects that cross Engineering team boundaries
• Collaborate with product, analysts, and modelers on planning and implementing frictionless user experiences 
• Work cross-functionally with product, platform, security, and data engineering teams to unlock new machine learning applications
• Have autonomy to research and achieve outcomes with support when you need it
• Contribute to the growth of our development capabilities through mentoring and supporting fellow engineers

Qualifications

You have:

• 6+ years of backend software development experience in building and maintaining applications in any mainstream language such as: Java, JavaScript, Python, Kotlin, Ruby, Go, Swift, C++
• Enthusiasm about solving business problems with technology and can take ownership of an end-to-end solution
• Passion about continuously learning new technologies, frameworks, and services
• Possess an execution mindset and the ability to deliver with cross-functional teams that are globally distributed
• Serious about testing and have experience with automated testing frameworks
• Passion for Cash App's mission of economic empowerment
• Experience of ML model-related experience is a bonus
• Experience with common technologies, for example, Kafka, Redis, Cassandra is a bonus
• A keen interest in advancing Cash App's vision of building for economic empowerment

Tools we use and teach:

• Python, Java, Kotlin
• Onnx/PyTorch, LightGBM/XGBoost
• Kubernetes, AWS
• Datadog, SumoLogic
• 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 $198,000 - USD $297,000
Zone B: USD $188,100 - USD $282,100
Zone C: USD $178,200 - USD $267,400
Zone D: USD $168,300 - USD $252,500

To find a location’s zone designation, please refer to this