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.

Square Financial Services is looking for an entry-level Credit Specialist to mitigate credit risk within the business financing space. Square Financial Services safely provides funds to our customers to help them grow their businesses. You will analyze data using internal/external tools to distinguish risky accounts from opportunities across different types of businesses. You love credit, and enjoy finding creative ways to manage risk while improving client experience. Successful specialists become experts on: Square Financial Services, our product roadmap, and customer experience.

Job Responsibilities

Square Financial Services is looking for an entry-level Credit Specialist to mitigate credit risk within the business financing space. Square Financial Services safely provides funds to our customers to help them grow their businesses. You will analyze data using internal/external tools to distinguish risky accounts from opportunities across different types of businesses. You love credit, and enjoy finding creative ways to manage risk while improving client experience. Successful specialists become experts on: Square Financial Services, our product roadmap, and customer experience.

You Will:

• Develop new strategies for the prevention of loss on Square Financial Services

• Review applicant accounts to maintain default rate within investor requirements

• Communicate with clients including investigative level conversations

• Maintain accurate, up-to-date process documentation and reporting

• Collaborate with teams across the organization to set policies and reduce loss

• Report performance metrics

• Surface opportunities to improve tools, workflow, and customer experience

• Participate in ongoing training to maintain current knowledge of BSA/AML and perform BSA/AML tasks by job responsibility

You Have:

• 1+ year experience working in business lending

• Experience with financial analysis including reviewing financial statements

• Associate or Undergraduate degree in Finance, Economics, or Accounting desired

• Detective-like mentality; simultaneous desire to help customers and obtain the truth

• Excellent organizational and analytical skills

• Must be a team-oriented person with willingness to assist in development of new team members

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

• Contagious passion for Block's mission

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 $28.17 - USD $34.42
Zone B: USD $26.20 - USD $32.02
Zone C: USD $22.79 - USD $27.88
Zone D: USD $21.11 - USD $25.82

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. 

Benefits include the following:

• Healthcare coverage
• 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
• Learning and Development resources
• Paid Life insurance, AD&D. and disability benefits 
• Perks such as WFH reimbursements and free access to caregiving, legal, and discounted resources 

This role is also eligible to participate in Block's equity plan subject to the terms of the applicable plans and policies, and may be eligible for a sign-on bonus. Sales roles may be eligible to participate in a commission plan subject to the terms of the applicable plans and policies. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.

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.

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.