Staff Software Engineer, Credit Underwriting Remote Bay Area, CA, US Posted Date: 02/05/25 Posted 3 days ago The Role Square's rapidly growing Square Banking has revolutionized the way businesses and consumers obtain the funding needed to achieve their goals. Unlike traditional business financing products, Square Banking extends offers 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 backend software engineer on the 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 that leverage data and machine learning technologies to originate and approve a variety of lending products. Our customers are internal teams iterating on existing loan products as well as experimenting with brand new loan structures. We are building self-serve platform solutions to power external data collection, signals creation, ML and rule-based decisioning, and credit policies configuration; all in service of loan origination. This year we are critically scaling and maturing our systems, to improve reliability, flexibility, and configurability, while supporting an ambitious product launch roadmap. You Will Work closely with product, data science, and other engineering teams to enable innovative new lending products. This includes working with new data sources, data pipeline technologies, supporting product launches with new platform features, and more. Modernize our entire underwriting process to be cloud-first and scale to meet Square's growth needs for years into the future, while maintaining strict reliability SLOs. Improve operational overhead by making our systems more self-serve configurable, streamlining experimentation. Build systems that collect and maintain customers' confidential data while holding Square to the highest standards for security and compliance. You Have 8+ years of backend software engineering experience. Experience with or desire to learn Go, Ruby on Rails, and Kotlin. Ability to design and build modern, scalable, distributed backend system architectures leveraging cloud technologies. Systems include everything from APIs and business logic to optimizing databases, streams, and rules engines. Technical initiative and leadership on large cross-team, cross-functional projects. Interest in supporting modern machine learning systems in production environments to solve business problems, including features, rules, and models, from development and testing to deployment and monitoring. Bonus: Familiarity with AWS technologies such as DynamoDB, SQS, Lambdas, etc. Interest in occasionally contributing to frontend interfaces using Typescript and React. Prior experience working in lending, underwriting, or risk management. Desire to mentor junior engineers. Technologies We Use and Teach AWS Go Ruby on Rails Kotlin Terraform (Optional) ES6 & TypeScript (Optional) React 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 an equal opportunity employer evaluating all employees and job applicants without regard to identity or any legally protected class. We will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and "fair chance" ordinances. 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. 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: $217,800 — $326,800 USD Zone B: $207,000 — $310,400 USD Zone C: $196,100 — $294,100 USD Zone D: $185,200 — $277,800 USD Every benefit we offer is designed with one goal: empowering you to do the best work of your career while building the life you want. Remote work, medical insurance, flexible time off, retirement savings plans, and modern family planning are just some of our offerings.

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