Staff Data Scientist, Cash App Lending

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 Cash App derives valuable insights from our extremely unique datasets and turns those insights into actions that improve the experience for our customers every day. You'll be embedded in our Commerce & Lending organization and work closely with product management, risk engineering and other cross-functional partners to own our loan and payment products.

You Will

• 
  

  Analyze large datasets using SQL and scripting languages to surface actionable insights and opportunities to the product team and other key stakeholders



• 
  

  Approach problems from first principles, using a variety of statistical and mathematical modeling techniques to research and understand customer behavior



• 
  

  Design and analyze A/B experiments to evaluate the impact of changes we make to the product



• 
  

  Work with engineers to log new, useful data sources as we build new product features



• 
  

  Build, forecast, and report on metrics that inform strategy and facilitate decision-making for key business initiatives



• 
  

  Write code to effectively process, cleanse, and combine data sources in unique and useful ways, often resulting in curated ETL datasets that are easily used by the broader team



• 
  

  Build and share data visualizations and self-serve dashboards for your partners



• 
  

  Effectively communicate your work with team leads and cross-functional stakeholders on a regular basis

You Have

• 
  

  Direct experience in credit, lending, risk management, or financial services.



• 
  

  Exceptional Communication: The ability to clearly articulate complex technical concepts to both technical and non-technical audiences.



• 
  

  Leadership and Influence: Demonstrated ability to lead complex, cross-functional projects from conception to completion. You can influence without authority and are skilled at navigating a fast-paced, dynamic environment.



• 
  

  Advanced proficiency with SQL and data visualization tools (e.g. Mode)



• 
  

  Experience with scripting and data analysis programming languages, such as Python or R



• 
  

  A bachelor degree in statistics, data science, or similar STEM field with 10+ years of experience in a relevant role OR



• 
  

  A graduate degree in statistics, data science, or similar STEM field with 8+ years of experience in a relevant role

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. We work hard to evaluate all employees and job applicants consistently, based solely on the core competencies required of the role at hand, and without regard to any legally protected class. 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 an inclusive workplace? Check out our Inclusion & Diversity page

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

These benefits are further detailed in Block's policies. This role is also eligible to participate in Block's equity plan subject to the terms of the applicable plans and policies, and may be eligible for a sign-on bonus. Sales roles may be eligible to participate in a commission plan subject to the terms of the applicable plans and policies. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.