Block is one company built from many blocks, all united by the same purpose of economic empowerment. The blocks that form our foundational teams — People, Finance, Counsel, Hardware, Information Security, Platform Infrastructure Engineering, and more — provide support and guidance at the corporate level. They work across business groups and around the globe, spanning time zones and disciplines to develop inclusive People policies, forecast finances, give legal counsel, safeguard systems, nurture new initiatives, and more. Every challenge creates possibilities, and we need different perspectives to see them all. Bring yours to Block.

The Underwriting, Fraud, and Credit MLE organization is on a mission to redefine credit and liquidity through simple, fair, and accessible credit solutions that build financial health and resilience. We are responsible for all credit decisions where Block advances funds or provides liquidity to consumers through Cash App and Afterpay. Our team builds the engineering systems and integrates ML solutions for evaluating customer cash flow risk – including risk of default on credit obligations, fraud & abuse of loans, and other scenarios where funds are advanced. Our products serve tens of millions of active customers monthly through offerings such as Cash App Borrow, Cash App Overdraft Protection, Afterpay on Cash Card, and Afterpay Buy Now Pay Later, and we are looking to expand to the 45 million consumers in the US who don’t have access to traditional credit products. You can learn more about our work in the Q3 2024 Shareholder Letter.
This staff-level role offers a unique opportunity for organization-wide impact across multiple teams and dozens of engineers as we unify our platforms, incorporate generative AI into our workflows and further scale our products. The ideal candidate will have a strong software development background with experience in large-scale migrations or monolith decompositions, coupled with a focus on simplification and overcoming obstacles to ship software. They will be familiar with ML infrastructure such as feature stores, decision engines, and workflow orchestration tools to help inform and guide our long-term architectural evolution. They have an up-to-date understanding of GenAI tools and capabilities and can help develop the organization into being highly productive, cohesive and impactful. This is an exciting opportunity to make a tangible impact on our product and work on projects that are critical to the business’s success. You’ll be reporting to the head of the organization and working on a distributed team with members in the USA, Canada, and Australia.