Senior Software Engineer, Credit Underwriting

  • Full-time

Company Description

Since we first opened our doors in 2009, the world of commerce has evolved immensely – and so has Block. After enabling anyone to take a payment and never miss a sale, we saw sellers stymied by disparate, outmoded products and tools that wouldn’t work together. So we expanded into software and started building integrated, omnichannel solutions – to help sellers sell online, manage inventory, run a busy kitchen, book appointments, engage loyal buyers, and hire and pay staff. And across it all, we’ve embedded financial services tools at the point of sale, so merchants can access a business loan and manage their cash flow all in one place.

Today, we’re a partner to sellers of all sizes – large, enterprise-scale businesses with complex commerce operations, sellers just starting out, as well as merchants who began selling with Block and have grown larger over time. As our sellers scale, so do our solutions. We all grow together.

There is a massive opportunity in front of us. We’re building a business that is big, meaningful, and lasting. And we are helping sellers around the world do the same.

Job Description

Square’s rapidly growing financing platform, Square Banking Credit, has revolutionized the way businesses obtain the funding needed to achieve their goals. Unlike traditional business financing products, Square Banking Credit offers are extended to pre-qualified sellers with no application process, funds are deposited as soon as the next business day, and repayment happens as a fixed percentage of daily card sales. Since the product launched in 2014, Square Banking Credit has extended more than $9 billion to hundreds of thousands of sellers.


As a Software Engineer on the Banking Credit Underwriting Team, you will help us grow and expand access to Credit for our Square sellers. You will be responsible for designing, building and owning sophisticated underwriting services leveraging data and machine learning technologies to power our lending products. You will primarily work on our backend systems and at times contribute to our frontend as well. 


You will:

  • Collaborate with product teams and other engineering teams on exciting new products.

  • Work closely with data scientists and machine learning engineers to design and build a fully automated machine learning workflow applied in credit underwriting.

  • Improve our data pipeline to unlock new datasets, both internal and external, and to support both batch and real time data processing. 

  • Scale our platform with cloud technologies to meet Square's growth needs for years into the future.

  • Lead architectural and solution design discussions, ensuring our infrastructure is performant, fault tolerant, and maintainable.

  • Build well-designed, reusable systems to model customer data, credit review procedures, and borrower experiences.

  • Build systems that collect and maintain customers confidential data, while holding Square to the highest standards for security and compliance.

  • Experiment with new technologies and teach your peers how to leverage them in our work.

  • Leverage strong communication skills and a passion for using data and software to drive business decisions at scale.

  • Participate in ongoing training to maintain current knowledge of BSA/AML and perform BSA/AML duties as required by job function.


You have:

  • 5+ years of software engineering experience.

  • Strong software development skills and computer science fundamentals.

  • Technical initiative and leadership on previous projects.

  • Interest in building and utilizing modern machine learning systems in production environments to solve business problems, including features, rules and models, from development and test to deployment and monitoring.

  • Interest in building scalable architectures using AWS technologies.

  • Interest in working on back-end systems, from APIs and business logic to optimizing databases, streams, and software engines.

  • Interest in working with other engineering teams and cross-functional partners.

  • Bonus: Prior experience working in machine learning, underwriting and risk.

Tools we use and teach:

  • AWS

  • Go

  • Ruby on Rails

  • Terraform

  • ES6 & TypeScript

  • React

Additional Information

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, veteran status, 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, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.


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.

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