Cash
Senior Machine Learning Engineer - Credit Risk
Cash, San Francisco, California, United States, 94199
Full-timeCompany Description
It 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.The Underwriting & Credit organization’s mission is to redefine credit and liquidity through simple, fair, and accessible credit solutions that build financial health and resilience. The Commerce team at Cash App provides different payment products such as BNPL (Buy Now, Pay Later), Pay monthly, Afterpay on Cash Card, etc. The Underwriting and Credit team is responsible for building systems that power credit risk management to all those products.As a member of the ML systems engineering team, you will work closely with ML Modelers and Decision Scientists to integrate and productize credit risk models. The Underwriting systems engineering team is the main interface between the world of ML and product engineering, and as such your work will include everything from backend engineering, developing data pipelines, to creating features, and working with rules engines. We build our services over Cash App's ever-evolving infrastructure, and as a senior engineer on the team, you will embrace these changes and scale our tech stack to promote future evolvability.You will:
Be responsible for designing, building and managing the distributed services and pipelines for Underwriting & Credit at Afterpay & Cash AppLead impactful, multi-person projects that cross Engineering team boundariesDemonstrate high code quality, good test coverage and other engineering best practicesCollaborate with product, analysts, and modelers on planning and implementing frictionless user experiencesWork cross-functionally with product, platform, security, and data engineering teams to unlock new machine learning applicationsHave autonomy to research and achieve outcomes with support when you need itCreatively solve challenging technical problems at scaleContribute to the growth of our development capabilities through mentoring and supporting fellow engineersQualifications
You have:8+ years of backend software development experience in building and maintaining applications in any mainstream language such as: Java, Python, Kotlin, Ruby, Go, Swift, C++Enthusiasm about solving business problems with technology and proven experience successfully taking ownership of an end-to-end solutionPassion about continuously learning new technologies, frameworks, and servicesPossess an execution mindset and the ability to deliver with cross-functional teams that are globally distributedSerious about testing and have experience with automated testing frameworksExperience of ML model-related experience is a bonusExperience with common technologies, for example, Kafka, Redis, Cassandra is a bonusA keen interest in advancing Cash App's vision of building for economic empowermentTools we use and teach:
Python, Java, KotlinAdditional Information
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 $198,000 - USD $297,000Zone B: USD $188,100 - USD $282,100Zone C: USD $178,200 - USD $267,400Zone D: USD $168,300 - USD $252,500Full-time employee benefits include the following:Healthcare coverage (Medical, Vision and Dental insurance)Health Savings Account and Flexible Spending AccountRetirement Plans including company matchEmployee Stock Purchase ProgramWellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowancePaid parental and caregiving leavePaid 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 resourcesPaid Life insurance, AD&D, and disability benefitsWe’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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It 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.The Underwriting & Credit organization’s mission is to redefine credit and liquidity through simple, fair, and accessible credit solutions that build financial health and resilience. The Commerce team at Cash App provides different payment products such as BNPL (Buy Now, Pay Later), Pay monthly, Afterpay on Cash Card, etc. The Underwriting and Credit team is responsible for building systems that power credit risk management to all those products.As a member of the ML systems engineering team, you will work closely with ML Modelers and Decision Scientists to integrate and productize credit risk models. The Underwriting systems engineering team is the main interface between the world of ML and product engineering, and as such your work will include everything from backend engineering, developing data pipelines, to creating features, and working with rules engines. We build our services over Cash App's ever-evolving infrastructure, and as a senior engineer on the team, you will embrace these changes and scale our tech stack to promote future evolvability.You will:
Be responsible for designing, building and managing the distributed services and pipelines for Underwriting & Credit at Afterpay & Cash AppLead impactful, multi-person projects that cross Engineering team boundariesDemonstrate high code quality, good test coverage and other engineering best practicesCollaborate with product, analysts, and modelers on planning and implementing frictionless user experiencesWork cross-functionally with product, platform, security, and data engineering teams to unlock new machine learning applicationsHave autonomy to research and achieve outcomes with support when you need itCreatively solve challenging technical problems at scaleContribute to the growth of our development capabilities through mentoring and supporting fellow engineersQualifications
You have:8+ years of backend software development experience in building and maintaining applications in any mainstream language such as: Java, Python, Kotlin, Ruby, Go, Swift, C++Enthusiasm about solving business problems with technology and proven experience successfully taking ownership of an end-to-end solutionPassion about continuously learning new technologies, frameworks, and servicesPossess an execution mindset and the ability to deliver with cross-functional teams that are globally distributedSerious about testing and have experience with automated testing frameworksExperience of ML model-related experience is a bonusExperience with common technologies, for example, Kafka, Redis, Cassandra is a bonusA keen interest in advancing Cash App's vision of building for economic empowermentTools we use and teach:
Python, Java, KotlinAdditional Information
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 $198,000 - USD $297,000Zone B: USD $188,100 - USD $282,100Zone C: USD $178,200 - USD $267,400Zone D: USD $168,300 - USD $252,500Full-time employee benefits include the following:Healthcare coverage (Medical, Vision and Dental insurance)Health Savings Account and Flexible Spending AccountRetirement Plans including company matchEmployee Stock Purchase ProgramWellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowancePaid parental and caregiving leavePaid 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 resourcesPaid Life insurance, AD&D, and disability benefitsWe’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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