资深机器学习工程师，承销与信用
Staff Machine Learning Engineer, Underwriting and Credit
构建技术以增加对全球经济的访问。在我们的生态系统中，包括 Square 和 Cash App，我们创建工具帮助企业运营和增长，以及个人自信地移动、管理并增长他们的资金。
Square 为各种规模的卖家提供集成的全渠道工具，让他们可以接受支付、管理运营、获取金融服务，并通过线上和线下渠道接触到客户。
Cash App 通过为数百万用户提供快速、便捷的金融平台，帮助他们发送、消费、储蓄、投资和借款，重新定义了个人与金钱的互动方式。在两个生态系统中大规模运营意味着信任和安全是基础。我们的团队构建系统来保护真实的人和企业，保障金融活动，并确保我们的产品保持可靠、安全且易于使用。
Block 是一家全球性、分布式公司，其文化根植于主人翁精神、创造力和影响力。无论是在 Square 支持卖家还是在 Cash App 支持客户，我们都因共同的使命而团结：让全球经济更加可及和包容。
##### 职位描述
Block 已经向全球客户提供了超过 2000 亿美元的信用额度。Afterpay 和 Cash App Borrow 是我们在这个领域最大的两款产品，为传统金融体系通常无法覆盖的消费者扩展了信用渠道。机器学习是这些产品运作的核心。
我们的模型决定谁可以获得信用、获得多少以及在什么条件下。它们在广泛的信用档案上进行信用评估，包括许多信用记录较少或没有传统信用历史的用户。建模挑战真实存在：在多样化的借款人人群中保持校准，设计随着组合增长而泛化的特征，并在每个决策点平衡批准率与损失表现。这需要扎实的基础知识、有纪律的实验以及持续的生产环境评估。
在信用建模团队中，你将作为高级个人贡献者，构建和优化这些产品的 ML 系统。你将参与整个建模生命周期：问题定义、特征开发、训练、校准、实验、部署、监控和迭代。你将在一个具有不同借款人人群、还款结构和监管环境的贷款产品中工作。
我们使用代理工程和 AI 工具来构建可靠、高效的系统。
查看英文原文
Block builds technology to increase access to the global economy. Across our ecosystem, including Square and Cash App, we create tools that help businesses run and grow, and individuals move, manage, and grow their money with confidence.
Square empowers sellers of all sizes with integrated, omnichannel tools to accept payments, manage operations, access financial services, and reach customers across online and in-person channels.
Cash App complements this by providing a fast, accessible financial platform for millions of people to send, spend, save, invest, and borrow, helping redefine how individuals interact with money.Operating at massive scale across both ecosystems means trust and safety are foundational. Our teams build systems that protect real people and businesses, safeguard financial activity, and ensure our products remain reliable, secure, and easy to use.
Block is a global, distributed company with a culture rooted in ownership, creativity, and impact. Whether supporting sellers on Square or customers on Cash App, we’re united by a shared mission: to make the global economy more accessible and inclusive.
##### The Role
Block has provided over $200 billion in credit to customers globally. Afterpay and Cash App Borrow are our two largest products in this space, expanding access to credit for consumers who are often underserved by traditional financial systems. Machine learning is the core of how these products work.
Our models decide who gets credit, how much, and under what terms. They underwrite customers across a wide range of credit profiles, including many with thin or no traditional credit history. The modeling challenges are real: maintaining calibration across diverse borrower populations, designing features that generalize as the portfolio grows, and balancing approval rates against loss performance at every decision point. This requires strong fundamentals, disciplined experimentation, and continuous evaluation in production.
On the Credit Modeling team, you will be a senior individual contributor building and evolving the ML systems behind these products. You will work across the full modeling lifecycle: problem formulation, feature development, training, calibration, experimentation, deployment, monitoring, and iteration. You will operate across one of these lending products with different borrower populations, repayment structures, and regulatory surfaces.
We use agentic engineering and AI tooling to build reliable, high-velocity workflows that enable this work. That includes code generation, automated testing, documentation, and developer tooling. You will help define how these practices scale across the team in ways that are rigorous, auditable, and trusted.
This is a team that values high output and rigor. We move fast, we test carefully, and we hold our work to a high standard because the models we build determine real credit outcomes for real people.
This role is fully remote for candidates based in the US or Canada.
##### You Will
- Build, evaluate, and maintain underwriting and decisioning models across Cash App Borrow and Afterpay.
- Design and evolve credit decision frameworks, including the modeling, automation, and policy logic that manage credit exposure over time.
- Design and run experiments to evaluate model performance, measure impact on approval rates and loss, and inform credit policy decisions.
- Develop deep understanding of borrower behavior, repayment dynamics, and portfolio structure across both products, and use that to inform model design and decision logic.
- Contribute analysis and perspective that inform portfolio-level decisions, including explaining model behavior, tradeoffs, and uncertainty to senior technical and business leaders.
- Work across the full modeling lifecycle: problem formulation, feature engineering, training, calibration, deployment, monitoring, and iteration in production.
- Build agentic engineering workflows that accelerate development, testing, and documentation.
- Collaborate with Product, Engineering, Legal, Compliance, and Operations to ensure credit systems reflect business goals and regulatory expectations.
- Share modeling context and approaches across teams, helping align how credit risk is measured, interpreted, and discussed.
- Shape how AI developer tooling is adopted across the team, defining review practices, quality standards, and governance patterns.
##### You Have
- A Bachelor's degree in a quantitative field (e.g., Mathematics, Statistics, Physics, Computer Science). Advanced degrees welcome.
- 10+ years applying AI, machine learning, or statistical modeling in decisioning contexts such as credit, risk, fraud, recommendations, or similar domains.
- Experience with probabilistic models and decision systems, including calibration, score transformations, and interpretation of model outputs.
- Strong experimentation skills: you know how to design holdouts, measure lift, and evaluate models beyond aggregate metrics.
- Experience with model monitoring, degradation detection, and retraining strategies in production systems.
- Proficiency with AI-native development workflows. You use LLMs, agentic coding tools, and AI-assisted automation as a regular part of how you build and ship.
- Experience explaining modeling concepts, results, and limitations to senior stakeholders and cross-functional partners.
- Experience working across disciplines in environments with meaningful constraints.
##### Technologies We Use and Teach
- Python (NumPy, Pandas, scikit-learn, PyTorch, XGBoost, LightGBM)
- AI development tools as core infrastructure: Claude Code, Cursor, Copilot
- MLflow for experiment tracking and model registry
- Internal feature store and model hosting platform
- Prefect and Airflow for orchestration
- SQL / Snowflake
- GitHub
- GCP / AWS
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. **Want to learn more about what we're doing to build a workplace that is fair and square? Check out our** [I+D page](https://block.xyz/news/inclusion).
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.
To find a location’s zone designation, please refer to this [resource](https://block.xyz/documents/salaryzones.pdf). If a location of interest is not listed, please speak with a recruiter for additional information.
Zone A:
$276,800—$415,200 USD
Zone B:
$276,800—$415,200 USD
Zone C:
$276,800—$415,200 USD
Zone D:
$276,800—$415,200 USD
**Application Guidelines**
Candidates may submit up to 9 active applications within a 60-day period. Reapplications to the same role are accepted 90 days after a previous application has been reviewed.
**Use of AI in Our Hiring Process**
We may use automated AI tools to evaluate job applications for efficiency and consistency. These tools comply with local regulations, including bias audits, and we handle all personal data in accordance with state and local privacy laws.
Contact us [here](https://privacy.block.xyz/privacyportal/form) with hiring practice or data usage questions.
_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 offering._ _[Check out our other benefits at Block.](https://block.xyz/employee-benefits)_
_Block, Inc. (NYSE: XYZ) builds technology to increase access to the global economy. Each of our brands unlocks different aspects of the economy for more people. **Square** makes commerce and financial services accessible to sellers. **Cash App** is the easy way to spend, send, and store money. **Afterpay** is transforming the way customers manage their spending over time. **TIDAL** is a music platform that empowers artists to thrive as entrepreneurs. **Bitkey** is a simple self-custody wallet built for bitcoin. **Proto** is a suite of bitcoin mining products and services. Together, we’re helping build a financial system that is open to everyone._
[Privacy Policy](https://block.xyz/en/legal/applicant-privacy-notice)