Software Engineer, Cash App Lending Products

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

Cash Apps mission is to make money instantly available and universally accessible - all the products and features weve released in the app are based on those principles. Lending is one of the newest Cash App products and were looking for a Software Engineer to join this team and help deliver on our vision of economic empowerment.

Lending offers Cash App and Afterpay users low-friction access to credit without prohibitive repayment terms and the Lending Engineering team is focused on building the complex systems and tooling to support access and Lending Engineering team focuses on building the products and platforms that help deliver this access and credit to our customers at scale. Were looking for people who are as excited about our mission as they are about the technical challenges we have.

You Will

• Partner closely with credit risk legal & compliance product managers and other engineers to take the Lending capability to the next level.
• Lead or contribute to projects from hypothesis to production capability ensuring ownership of the output quality.
• Build financial primitives by acting as an IC or lead on atomic composable API-level building blocks that serve the Blocks intelligence layer.
• Take a developer-centric approach to designing and building clean APIs optimizing strictly for uptime latency regulatory compliance and cost-per-transaction.
• Experiment with emerging approaches and support team capability by sharing learnings and providing feedback.
• Operate and manage existing Cash services.
• Make recommendations to improve the team and wider Engineering practices.
• Help interview candidates organize external recruiting/networking activities and contribute to the broader tech and open-source communities.

You Have

• Embrace an AI-first mentality. Leverage AI to augment your knowledge and capability in navigating development in complex systems with confidence.
• Familiar with agentic engineering.
• 5 years working on complex systems and delivering quality software with clear expertise developed in one or more technical areas.
• Curiosity that pushes you to find flaws in complex systems and take whatever steps are necessary to fix them.
• Resilience to persevere in complex situations across multiple axes: e.g. scale uncertainty and interconnectedness.
• Self-directed and comfortable with ambiguity with a willingness to publish your reasoning and be wrong publiclywhich is essential for thriving in our transparent DRI/IC model.

Technologies We Use and Teach

• Java Kotlin
• AWS
• HTTP JSON gRPC Protocol Buffers
• OkHttp Jetty JUnit Guice
• Hibernate jOOQ Aurora MySQL DynamoDB Redis Vitess
• Kafka event-driven architecture microservices
• DataDog
• Buildkite Gradle

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 also consider qualified applicants with criminal histories for employment on our team and always assess candidates on an individualized believe in being fair and are committed to an inclusive interview experience including providing reasonable accommodations throughout the recruitment process. If you require an accommodation let your recruiter know. Want to learn more about what were doing to build an inclusive workplace Check out our Inclusion & Diversity page.