Senior Software Engineer, Credit Risk

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

Marketplace under Cash App provides different payment products such as BNPL (Buy Now, Pay Later) or pay monthly to customers. The Credit Risk team is responsible for building systems that power credit risk management to all those products. Our services are part of Checkout, Home page and other key flows and are responsible for making lending and eligibility decisions for various products at AfterPay.

This is an exciting and rare opportunity to join us and lead the building of the next generation of Credit Risk systems that will help expand the capabilities of the platform. As a Software Engineer on the Risk & Data Science Engineering team you will be responsible for developing software to make an immediate impact to millions of customers at Afterpay. You will influence many aspects of our business through architecting our core risk systems. Your work will have a direct, tangible impact on our Afterpay business by helping to minimize loss and enable growth.

You will:

• Act as the technical lead for the team setting the vision for the Credit Risk platform.
• Mentor other team members with design, code reviews and development best practices.
• Scope, build, and scale products, systems, and services that have an immediate impact on our millions of customers
• Participate in all parts of product development, working with non-Engineering related disciplines (Product, Design, Risk Strategy) and adjacent Engineering teams (Fraud Risk, Machine Learning, and Data Science)
• Owning features and functions throughout their lifecycle from inception, rollout, launch, scale and iteration. 

Qualifications

You have: 

• 8+ years of experience delivering quality software and autonomously creating end-to-end solutions 
• Experience building and managing large scale distributed systems
• Boundless curiosity, persistence and a desire to get things done
• Desire to perform and grow as an engineer lead
• Experience building consensus on a technical initiative and hands-on leadership on previous projects
• Contribute to the growth of our development capabilities through mentoring and supporting fellow engineers
• Fraud, Credit Risk related experience is a bonus!

Technologies we use and teach:

• Java, Kotlin
• Kubernetes, AWS
• Datadog, NewRelic
• Hibernate, MySQL, 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 $202,500 - USD $247,500
Zone B: USD $192,400 - USD $235,200
Zone C: USD $182,300 - USD $222,800
Zone D: USD $172,200 - USD $210,400

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. 

Full-time employee benefits include the following:

• Healthcare coverage (Medical, Vision and Dental insurance)
• Health Savings Account and Flexible Spending Account
• 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 (includin