Senior Machine Learning Engineer - Underwriting & Credit Machine

Company Description

Block was inspired by an idea in 2013. Originally designed to simplify peer-to-peer payments, Cash App has transformed from a single purpose product into a dynamic ecosystem. It now creates distinctive financial products, such as Afterpay/Clearpay, offering our 47 million monthly active users easier ways to send, spend, invest, borrow, and save. Our goal is to revamp the world's understanding of money to make it more comprehensible, instantly accessible, and universally attainable.

Today, Cash App has thousands of employees worldwide, both in offices and working remotely, with a culture that prioritizes innovation, teamwork, and impact. From day one, we’ve been a distributed workforce, and many of our roles allow remote work in the countries Cash App operates in. Regardless of location, we tailor our experience to make sure our employees remain inspired, efficient, and satisfied.

Check out our locations, benefits, and more at

Job Description

The Underwriting & Credit organization aims to revolutionize credit and liquidity with straightforward, equitable, and reachable credit solutions that cultivate financial robustness and resilience. This team devises and incorporates ML solutions for evaluating customer cash flow risk, including default risk on credit obligations, loan abuse & fraud risk, and other situations where Cash App provides funds or liquidity to customers. This team supports multiple products within Cash. 

As part of the team, you will design, construct, and release credit products and features. We build our services on Cash App's ever-evolving infrastructure. As a senior engineer, you will adapt to these changes and upscale our tech stack to promote future flexibility. This role offers an exciting chance to have a direct and tangible influence on our product and undertake projects that are crucial to the company's success. You'll be reporting to an Engineering Manager and working with a distributed team based in the USA and Canada.
 

Your responsibilities:

• Design, construct, and manage the distributed services for Underwriting & Credit Cash App
• Innovatively resolve challenging technical problems at scale
• Ensure high code quality, good test coverage, and other engineering best practices 
• Work on substantial, multi-person projects that cross Engineering team boundaries
• Cooperate with product, analysts, and modelers on planning and implementing seamless user experiences 
• Work cross-functionally with product, platform, security, and data engineering teams to unleash new machine learning applications
• Have autonomy to research and achieve outcomes with support when necessary
• Contribute to the expansion of our development capabilities by mentoring and supporting fellow engineers

Qualifications

You should have:

• 6 or more 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 using technology and the ability to fully own a solution
• Passion for continuously learning new technologies, frameworks, and services
• An execution mindset and the capability to deliver with globally distributed cross-functional teams
• A serious approach to testing and experience with automated testing frameworks
• Passion for Cash App's mission of promoting economic empowerment
• Experience with ML models is a bonus
• Experience with common technologies like Kafka, Redis, Cassandra is a plus
• An eager interest in promoting Cash App's vision of fostering 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 bases its pay on the market, which can vary depending on your location. In the U.S., locations are grouped into one of four zones based on the labor cost index for that geographical area. Pay for the successful candidate will depend on job-related skills, experience, qualifications, work location, and market conditions. These ranges may change 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