Job Details

Overview

Staff Software Engineer, Credit Underwriting at Square. The role focuses on designing, building and owning underwriting services that leverage data and machine learning to originate and approve lending products. Backend systems are the primary focus, with collaboration across internal teams including engineering, product, risk, and data science.

Responsibilities

• Solve ambiguous, high-risk, and cross-team challenges in underwriting systems by working directly in the code and carrying solutions from implementation to resolution across the lending stack
• Guide the long-term technical strategy for underwriting services while contributing hands-on to critical lending platform capabilities
• Partner with engineering, product, risk, and data science teams in shaping and developing novel lending capabilities
• Raise the technical bar through design reviews and architectural guidance, creating designs for underwriting systems and providing feedback across lending teams, setting high standards for reliability, maintainability, and extensibility
• Mentor engineers to grow their technical depth and leadership capabilities, fostering underwriting domain knowledge and platform development
• Develop a best-in-class underwriting platform: ensure robust APIs, clear documentation, and responsive support enabling credit policy teams to move quickly and safely

You Have (Qualifications)

• 12+ years of backend engineering experience with proven organizational impact
• Expertise in Go, Ruby, or Kotlin with openness to learn others
• Proven track record of architecting and scaling high-reliability financial systems with high operational excellence, fault tolerance, and data integrity
• Strong mentorship, cross-team collaboration, and technical communication skills, with experience building trust across teams and functions
• Ability to decompose complex, ambiguous problems into maintainable solutions
• (optional) Domain experience in lending, credit underwriting, or consumer credit systems

Technologies We Use and Teach

• AWS
• Go
• Ruby on Rails
• Kafka
• Terraform
• ES6 & TypeScript
• React

Additional Details

Block takes a market-based approach to pay, which varies by location. U.S. locations are categorized into zones with pay ranges shown below. For zone designations and more information, contact a recruiter.

Zone A: $263,600—$395,400 USD

Zone B: $263,600—$395,400 USD

Zone C: $263,600—$395,400 USD

Zone D: $263,600—$395,400 USD

Use of AI in Our Hiring Process: We may use automated AI tools to evaluate job applications for efficiency and consistency. Tools comply with local regulations, including bias audits, and we handle all personal data per state and local privacy laws. Contact ...@block.xyz with hiring practice or data usage questions.

Block, Inc. (NYSE: XYZ) disclosures and brand scope: Square, Cash App, Afterpay, TIDAL, Bitkey, Proto. See privacy policy for details.

Seniority level: Mid-Senior level

Employment type: Full-time

Job function: Engineering and Information Technology

Note

Referrals increase your chances of interviewing at Square. Job postings show multiple locations and compensation ranges. This description preserves the essential responsibilities and qualifications from the original post without altering its meaning.