资深产品数据科学家，借贷
Staff Product Data Scientist, Lending
它始于2013年Block的一个想法。最初是为了减轻点对点支付的痛苦，Cash App从一个单一功能的简单产品发展成为一个动态生态系统，开发独特的金融产品，包括Afterpay/Clearpay，为我们的5000多万月活跃客户提供更好的发送、花费、投资、借款和储蓄方式。我们希望重新定义世界与金钱的关系，使其更加贴近生活、即时可用且普遍可及。
如今，Cash App在全球各地的办公室和远程地点有数千名员工，文化注重创新、协作和影响力。自成立以来，我们就是一支分布式团队，许多职位都可以在Cash App运营的国家远程完成。无论身处何地，我们都定制体验，确保员工富有创造力、高效并感到快乐。
##### **职位描述**
Block的数据科学团队将独特的客户和产品数据转化为扩大金融服务可及性的决策。我们的贷款团队为Cash App Borrow、Afterpay、Square Loans以及下一代自有品牌信用产品提供决策支持。
我们正在寻找一名产品数据科学家，帮助构建、衡量和改进传统信用体系往往忽视客户的信用产品。你将与产品、工程和风险团队紧密合作，定义指标、评估实验、了解客户行为，并将模糊的产品问题转化为明确的决策。
这是一个具有主动性的数据科学职位。你将使用AI工具和代理工作流程，在整个数据科学循环中更快地行动并更严谨地思考：探索混乱的数据集、构建管道、压力测试假设、评估产品变化，并将分析转化为决策。
##### **你将负责**
- 将复杂的产品、客户和风险数据转化为清晰的洞察、决策框架和持久的测量系统，供产品、风险和业务合作伙伴使用
- 使用AI工具和代理工作流程提高分析工作的速度和质量，从加速探索和自动化重复任务到生成假设和压力测试结论
- 负责从分析、指标定义、实验、预测、可视化到决策支持的全流程执行
- 定义并维护信用产品的测量框架，包括客户资格、还款行为、产品使用情况、
查看英文原文
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 50+ 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 Role**
The Data Science team at Block turns unique customer and product data into decisions that expand access to financial services. Our Lending team powers decisioning behind Cash App Borrow, Afterpay, Square Loans, and the next generation of first-party credit products.
We’re looking for a Product Data Scientist to help build, measure, and improve credit products that serve customers traditional credit systems often miss. You’ll partner closely with product, engineering, and risk teams to define metrics, evaluate experiments, understand customer behavior, and turn ambiguous product questions into clear decisions.
This is an agentic data science role. You’ll use AI tools and agent workflows to move faster and think more rigorously across the full data science loop: exploring messy datasets, building pipelines, stress-testing hypotheses, evaluating product changes, and turning analysis into decisions.
##### **You Will**
- Turn complex product, customer, and risk data into clear insights, decision frameworks, and durable measurement systems for product, risk, and business partners
- Use AI tools and agent workflows to improve both the speed and quality of analytical work, from accelerating exploration and automating repetitive tasks to generating hypotheses and stress-testing conclusions
- Own end-to-end execution across analysis, metrics definition, experimentation, forecasting, visualization, and decision support
- Define and maintain measurement frameworks for credit products, including customer eligibility, repayment behavior, product usage, loss performance, funnel health, and long-term customer outcomes
- Partner with risk teams to evaluate model and policy performance, monitor cohorts, identify bias or drift, and connect risk decisions to product and business impact
- Design and analyze experiments, rollouts, and policy changes that shape customer access, repayment outcomes, and product growth
- Approach ambiguous product and risk questions from first principles, using statistical judgment to define the right cohorts, metrics, and decision criteria
- Communicate insights clearly to technical, product, and business stakeholders, including risk partners and senior decision-makers
- Lead technical direction and standards for the Block Data Science team - making and building consensus on key technical decisions, and creating reusable frameworks, measurement templates, and scalable tooling that remove complexity for others.
- Drive localized cross-team impact by connecting measurement and insights across Lending products (Borrow, Afterpay, Square Loans) and partnering with senior stakeholders in product, engineering, and risk to align Data Science work with broader strategy.
- Mentor and grow the team by developing junior data scientists, fostering a culture of analytical rigor and psychological safety, and contributing to hiring through interviews and calibrations
##### **You Have**
- A bachelor’s degree in statistics, data science, economics, computer science, or a similar quantitative field with 12+ years of experience in a relevant role OR
- A graduate degree in statistics, data science, economics, computer science, or a similar quantitative field with 6-8+ years of experience in a relevant role
- Advanced proficiency with SQL and experience building clear, decision-oriented data visualizations
- Strong product, analytical, and statistical judgment, including the ability to turn ambiguous product, customer, or risk questions into sound analyses, communicate tradeoffs clearly, and support decisions
- Experience using AI tools to improve the speed, quality, and durability of analytical work
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:
$239,600—$359,400 USD
Zone B:
$239,600—$359,400 USD
Zone C:
$239,600—$359,400 USD
Zone D:
$239,600—$359,400 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)