Block
Senior Machine Learning Engineer (Modeling) - Underwriting and Credit
Block, Los Angeles, California, United States, 90079
Senior Machine Learning Engineer (Modeling) - Underwriting and Credit
Full-timeIt all started with an idea at Block in 2013. Initially built to take the pain out of peer-to-peer payments, Cash App has gone from a simple product with a single purpose to a dynamic ecosystem, developing unique financial products, including Afterpay/Clearpay, to provide a better way to send, spend, invest, borrow and save to our 47 million monthly active customers. We want to redefine the world’s relationship with money to make it more relatable, instantly available, and universally accessible.Today, Cash App has thousands of employees working globally across office and remote locations, with a culture geared toward innovation, collaboration and impact. We’ve been a distributed team since day one, and many of our roles can be done remotely from the countries where Cash App operates. No matter the location, we tailor our experience to ensure our employees are creative, productive, and happy.This role is part of our Cash App's ML team and will be deeply embedded within one of our product teams - here are the workstreams we're currently hiring for:Underwriting and CreditOur mission is to redefine credit and liquidity through simple, fair, and accessible credit solutions that build financial health and resilience.You Will:Build and integrate ML solutions for evaluating customer cash flow risk including risk of default on credit obligations, risk of fraud & abuse of loans and other situations where Cash app advances funds or provides liquidity to customers.Support multiple products across 4+ workstreams in Cash.Empower teams to understand the financial performance of origination cohorts, optimize our automated decisioning pipeline using AI/ML, and help identify new opportunities for growth in our customer base.Experiment with various modeling techniques on our comprehensive customer data and see your solution through to production by partnering cross-functionally with finance, product, and engineering teams.Minimum Requirements:Bachelor's degree in Computer Science, Statistics, Mathematics, or a related field. A Master's degree is preferred.6+ years of experience in machine learning, data analysis, or a related field.Strong knowledge of machine learning algorithms and data analysis techniques.Excellent problem-solving skills and attention to detail.Strong communication skills, with the ability to explain complex concepts to non-technical stakeholders.MySQL, Snowflake, GCP/AWS and Tableau.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.Full-time employee benefits include the following:Healthcare coverage (Medical, Vision and Dental insurance).Health Savings Account and Flexible Spending Account.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 (including 12 paid holidays).Paid sick leave (1 hour per 26 hours worked (max 80 hours per calendar year to the extent legally permissible) for non-exempt employees and covered by our Flexible Time Off policy for exempt employees).Learning and Development resources.Paid Life insurance, AD&D, and disability benefits.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.
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Full-timeIt all started with an idea at Block in 2013. Initially built to take the pain out of peer-to-peer payments, Cash App has gone from a simple product with a single purpose to a dynamic ecosystem, developing unique financial products, including Afterpay/Clearpay, to provide a better way to send, spend, invest, borrow and save to our 47 million monthly active customers. We want to redefine the world’s relationship with money to make it more relatable, instantly available, and universally accessible.Today, Cash App has thousands of employees working globally across office and remote locations, with a culture geared toward innovation, collaboration and impact. We’ve been a distributed team since day one, and many of our roles can be done remotely from the countries where Cash App operates. No matter the location, we tailor our experience to ensure our employees are creative, productive, and happy.This role is part of our Cash App's ML team and will be deeply embedded within one of our product teams - here are the workstreams we're currently hiring for:Underwriting and CreditOur mission is to redefine credit and liquidity through simple, fair, and accessible credit solutions that build financial health and resilience.You Will:Build and integrate ML solutions for evaluating customer cash flow risk including risk of default on credit obligations, risk of fraud & abuse of loans and other situations where Cash app advances funds or provides liquidity to customers.Support multiple products across 4+ workstreams in Cash.Empower teams to understand the financial performance of origination cohorts, optimize our automated decisioning pipeline using AI/ML, and help identify new opportunities for growth in our customer base.Experiment with various modeling techniques on our comprehensive customer data and see your solution through to production by partnering cross-functionally with finance, product, and engineering teams.Minimum Requirements:Bachelor's degree in Computer Science, Statistics, Mathematics, or a related field. A Master's degree is preferred.6+ years of experience in machine learning, data analysis, or a related field.Strong knowledge of machine learning algorithms and data analysis techniques.Excellent problem-solving skills and attention to detail.Strong communication skills, with the ability to explain complex concepts to non-technical stakeholders.MySQL, Snowflake, GCP/AWS and Tableau.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.Full-time employee benefits include the following:Healthcare coverage (Medical, Vision and Dental insurance).Health Savings Account and Flexible Spending Account.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 (including 12 paid holidays).Paid sick leave (1 hour per 26 hours worked (max 80 hours per calendar year to the extent legally permissible) for non-exempt employees and covered by our Flexible Time Off policy for exempt employees).Learning and Development resources.Paid Life insurance, AD&D, and disability benefits.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.
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