Unknown - Careers - Staff Product Data Scientist, Lending
Requirements
• A bachelor’s degree in statistics, data science, economics, computer science, or a similar quantitative field with 12+ years of experience in a relevant role OR • A graduate degree in statistics, data science, economics, computer science, or a similar quantitative field with 6-8+ years of experience in a relevant role • Advanced proficiency with SQL and experience building clear, decision-oriented data visualizations • Strong product, analytical, and statistical judgment, including the ability to turn ambiguous product, customer, or risk questions into sound analyses, communicate tradeoffs clearly, and support decisions • Experience using AI tools to improve the speed, quality, and durability of analytical work • Block takes a market-based approach to pay, and pay may vary depending on your location. U.S. locations are categorized into one of four zones based on a cost of labor index for that geographic area. The successful candidate’s starting pay will be determined based on job-related skills, experience, qualifications, work location, and market conditions. These ranges may be modified in the future. • To find a location’s zone designation, please refer to this resource. If a location of interest is not listed, please speak with a recruiter for additional information. • $239,600—$359,400 USD • Application Guidelines • Candidates may submit up to 9 active applications within a 60-day period. Reapplications to the same role are accepted 90 days after a previous application has been reviewed. • Use of AI in Our Hiring Process • We may use automated AI tools to evaluate job applications for efficiency and consistency. These tools comply with local regulations, including bias audits, and we handle all personal data in accordance with state and local privacy laws. • Every benefit we offer is designed with one goal: empowering you to do the best work of your career while building the life you want. Remote work, medical insurance, flexible time off, retirement savings plans, and modern family planning are just some of our offering. Check out our other benefits at Block. • Block, Inc. (NYSE: XYZ) builds technology to increase access to the global economy. Each of our brands unlocks different aspects of the economy for more people. Square makes commerce and financial services accessible to sellers. Cash App is the easy way to spend, send, and store money. Afterpay is transforming the way customers manage their spending over time. TIDAL is a music platform that empowers artists to thrive as entrepreneurs. Bitkey is a simple self-custody wallet built for bitcoin. Proto is a suite of bitcoin mining products and services. Together, we’re helping build a financial system that is open to everyone. • You are being connected to our automated chatbot which utilizes generative AI. By continuing, • you recognize that Block’s Privacy Notice applies to your use of this tool and you agree to Block’s AI terms of use located here and here.
Responsibilities
• Turn complex product, customer, and risk data into clear insights, decision frameworks, and durable measurement systems for product, risk, and business partners • Use AI tools and agent workflows to improve both the speed and quality of analytical work, from accelerating exploration and automating repetitive tasks to generating hypotheses and stress-testing conclusions • Own end-to-end execution across analysis, metrics definition, experimentation, forecasting, visualization, and decision support • Define and maintain measurement frameworks for credit products, including customer eligibility, repayment behavior, product usage, loss performance, funnel health, and long-term customer outcomes • Partner with risk teams to evaluate model and policy performance, monitor cohorts, identify bias or drift, and connect risk decisions to product and business impact • Design and analyze experiments, rollouts, and policy changes that shape customer access, repayment outcomes, and product growth • Approach ambiguous product and risk questions from first principles, using statistical judgment to define the right cohorts, metrics, and decision criteria • Communicate insights clearly to technical, product, and business stakeholders, including risk partners and senior decision-makers • Lead technical direction and standards for the Block Data Science team - making and building consensus on key technical decisions, and creating reusable frameworks, measurement templates, and scalable tooling that remove complexity for others. • Drive localized cross-team impact by connecting measurement and insights across Lending products (Borrow, Afterpay, Square Loans) and partnering with senior stakeholders in product, engineering, and risk to align Data Science work with broader strategy. • Mentor and grow the team by developing junior data scientists, fostering a culture of analytical rigor and psychological safety, and contributing to hiring through interviews and calibrations
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