Senior Machine Learning Engineer (Modeling) - Underwriting & Credit
Senior Machine Learning Engineer (Modeling) - Underwriting & Credit
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1 Vacancy
Job 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 50 million monthly active customers. We want to redefine the worlds 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. Weve 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
Machine Learning is an integral part of how we design products operate and pursue Cash Apps mission to serve the unbanked as well as disrupt traditional financial institutions. Our massive scale and deep trove of transaction data create an endless number of opportunities to use artificial intelligence to better understand our customers and offer new products and experiences that can improve their lives. We are a highly creative group that prefers to solve problems from first principles; we move quickly make incremental changes and deploy to production every day. Check out our Machine Learning / AI blog here!
This role is part of our Cash Apps Underwriting and Credit ML team. This teams mission is to redefine credit and liquidity through simple fair and accessible credit solutions that build financial health and resilience.
You Will
- Build and integrate ML solutions for evaluating customer cash flow risk including risk of default on credit obligations risk of fraud & abuse of loans and other situations where Cash app advances funds or provides liquidity to customers
- Support multiple products across 4 workstreams in Cash
- Empower teams to understand the financial performance of origination cohorts optimize our automated decisioning pipeline using AI/ML and help identify new opportunities for growth in our customer base
- Experiment with various modeling techniques on our comprehensive customer data and see your solution through to production by partnering cross-functionally with finance product and engineering teams
You Have
- Bachelors degree in Computer Science Statistics Mathematics or a related field. A Masters degree is preferred
- 6 years of experience in machine learning data analysis or a related field
- Strong knowledge of machine learning algorithms and data analysis techniques
- Excellent problem-solving skills and attention to detail
- Strong communication skills with the ability to explain complex concepts to non-technical stakeholders
- Credit lending or underwriting related ML experience
Technologies We Use and Teach
- Python (NumPy Pandas scikit-learn xgboost TensorFlow keras etc.)
- MySQL Snowflake GCP/AWS and Tableau
Were 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 were doing to build a workplace that is fair and square Check out our ID page.
While there is no specific deadline to apply for this role U.S. roles are typically open for an average of 55 days before being filled by a successful candidate. Please refer to the date listed at the top of this job page for when this role was first posted.
Required Experience:
Senior IC
Employment Type
Full Time
