Join Square’s world-class Risk organization to help understand and manage credit risk for sellers processing on Square. The ideal candidate will have an understanding of credit and financial analysis, and a desire to apply those skills in new and innovative ways to help Square grow its annual processing volume while controlling losses related to chargebacks. 

You will be responsible for conducting reviews of new and existing sellers, assessing credit risk for commercial lending as well as payment processing, and taking appropriate action in line with our risk policies. You will be comfortable in an operations environment, maintaining high-quality standards while ensuring that we adhere to internal and seller-facing service-level agreements. 

You Will:

• Perform reviews of high-risk seller accounts and CAD loan applications and take action in line with Square’s risk policies

• Analyze risks associated with different seller business models and card processing patterns

• Collect and review appropriate documentation necessary to assess and mitigate risk

• Document decisions and rationale in accordance with our underwriting guidelines

• Communicate with sellers via phone and email, including investigative-level conversations

• Work effectively with internal partners including Fraud and Compliance, as well as multiple levels of management

• Help identify process improvements and contribute to key Credit Risk projects and initiatives

You Have:

• Bilingual in French and English

• Degree in Finance, Economics, or Accounting 

• 1-2 years experience in credit, lending, underwriting, finance, or related

• Experience or demonstrated understanding of financial statement analysis

• Excellent organizational skills and attention to detail

• Strong written and verbal communication skills

• Self-starter; comfortable dealing with ambiguity

• Strong sense of accountability for helping our team achieve its collective goals and best serve our customers 

• Team-oriented with a willingness to contribute new ideas, collaborate, and learn from and mentor others.

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 a proud equal opportunity employer. We work hard to evaluate all employees and job applicants consistently, without regard to race, color, religion, gender, national origin, age, disability, pregnancy, gender expression or identity, sexual orientation, citizenship, or any other legally protected class. 

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. 

Additionally, we consider qualified applicants with criminal histories for employment on our team, and always assess candidates on an individualized basis.

Perks

We want you to be well and thrive. Our global benefits package includes:

• Healthcare coverage
• Retirement Plans
• Employee Stock Purchase Program
• Wellness perks
• Paid parental leave
• Paid time off
• Learning and Development resources

Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, TIDAL, and TBD, we build tools to help more people access the economy. Square helps sellers run and grow their businesses with its integrated ecosystem of commerce solutions, business software, and banking services. With Cash App, anyone can easily send, spend, or invest their money in stocks or Bitcoin. Spiral (formerly Square Crypto) builds and funds free, open-source Bitcoin projects. Artists use TIDAL to help them succeed as entrepreneurs and connect more deeply with fans. TBD is building an open developer platform to make it easier to access Bitcoin and other blockchain technologies without having to go through an institution.