Senior Data Scientist, Square Financial Services, Credit Policy

Block is one company built from many blocks, all united by the same purpose of economic empowerment. The blocks that form our foundational teams - People, Finance, Counsel, Hardware, Information Security, Platform Infrastructure Engineering, and more - provide support and guidance at the corporate level. They work across business groups and around the globe, spanning time zones and disciplines to develop inclusive People policies, forecast finances, give legal counsel, safeguard systems, nurture new initiatives, and more. Every challenge creates possibilities, and we need different perspectives to see them all. Bring yours to Block.
The Role
As a Data Scientist within the Credit Policy team of Square Financial Services (SFS), you will work across both commercial (Square) and consumer (Cash App) banking & lending products. While core model development sits with our adjacent ML teams, the Credit Policy team provides crucial oversight and strategic direction for our underwriting processes. This includes monitoring existing products and their performance to maintain efficient underwriting, analyzing and shaping new product initiatives for growth, and ensuring regulatory compliance through documentation and process.
You'll collaborate closely with a broad range of functions including ML, product, software engineering, operations, and capital markets teams to drive impact across our portfolio.
You Will

• Analyze large datasets using SQL and Python to surface actionable insights that directly inform our product and credit strategy that drive business decisions
• Approach problems from first principles, using a variety of statistical and mathematical modeling techniques to research and understand customer behavior and loan performance
• Partner closely with ML engineers throughout the modeling lifecycle to develop, deploy, evaluate, and monitor models and credit policies
• Maintain and improve our systems for simulating the impacts of model/policy changes and the decision engine that implements those rules in production
• Develop KPIs and measurement systems focused on credit resiliency and product performance monitoring.
• Build, visualize and report on metrics that drive strategy and facilitate decision making for key business initiatives
• Effectively communicate your work with team leads and cross-functional stakeholders on a regular basis

You Have

• Minimum of 8 years of related experience with a Bachelor's degree; or 6 years and a Master's degree; or a PhD with 3 years experience; or equivalent experience.
• A background in Statistics, Mathematics, Biostatistics, Economics or related quantitative field
• Advanced proficiency with SQL and Python for data analysis
• Advanced proficiency building product metrics in data visualization tools (e.g. Mode, Looker)
• Direct experience in credit, lending, risk management, or financial services.
• Ability to turn unstructured business problems into concrete analyses that yield actionable insights and recommendations
• Working understanding of core ML concepts, with a focus on usage in decision making.

We're working to build a more inclusive economy where our customers have equal access to opportunity, and we strive to live by these same values in building our workplace. Block is an equal opportunity employer evaluating all employees and job applicants without regard to identity or any legally protected class. We will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and "fair chance" ordinances.
We believe in being fair, and are committed to an inclusive interview experience, including providing reasonable accommodations to disabled applicants throughout the recruitment process. We encourage applicants to share any needed accommodations with their recruiter, who will treat these requests as confidentially as possible. Want to learn more about what we're doing to build a workplace that is fair and square? Check out our I+D page .
While there is no specific deadline to apply for this role, U.S. roles are typically open for an average of 55 days before being filled by a successful candidate. Please refer to the date listed at the top of this job page for when this role was first posted.
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.
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.
Zone A:
$198,000 - $297,000 USD
Zone B:
$188,100 - $282,100 USD
Zone C:
$178,200 - $267,400 USD
Zone D:
$168,300 - $252,500 USD
Use of AI in Our Hiring Process
We may use automated AI tools to evaluate job applications for efficiency and consistency. These tools comply with local regulations, including bias audits, and we handle all personal data in accordance with state and local privacy laws.
Contact us at [email protected] with hiring practice or data usage questions.
Every benefit we offer is designed with one goal: empowering you to do the best work of your career while building the life you want. Remote work, medical insurance, flexible time off, retirement savings plans, and modern family planning are just some of our offering. Check out our other benefits at Block.
Block, Inc. (NYSE: XYZ) builds technology to increase access to the global economy. Each of our brands unlocks different aspects of the economy for more people. Square makes commerce and financial services accessible to sellers. Cash App is the easy way to spend, send, and store money. Afterpay is transforming the way customers manage their spending over time. TIDAL is a music platform that empowers artists to thrive as entrepreneurs. Bitkey is a simple self-custody wallet built for bitcoin. Proto is a suite of bitcoin mining products and services. Together, we're helping build a financial system that is open to everyone.