Senior Credit Risk Analyst

Since we opened our doors in 2009, the world of commerce has evolved immensely, and so has Square. After enabling anyone to take payments and never miss a sale, we saw sellers stymied by disparate, outmoded products and tools that wouldn't work together.
So we expanded into software and started building integrated, omnichannel solutions - to help sellers sell online, manage inventory, offer buy now, pay later functionality, book appointments, engage loyal buyers, and hire and pay staff. Across it all, we've embedded financial services tools at the point of sale, so merchants can access a business loan and manage their cash flow in one place. Afterpay furthers our goal to provide omnichannel tools that unlock meaningful value and growth, enabling sellers to capture the next generation shopper, increase order sizes, and compete at a larger scale.
Today, we are a partner to sellers of all sizes - large, enterprise-scale businesses with complex operations, sellers just starting, as well as merchants who began selling with Square and have grown larger over time. As our sellers grow, so do our solutions. There is a massive opportunity in front of us. We're building a significant, meaningful, and lasting business, and we are helping sellers worldwide do the same. .
The Role
We are looking for experienced Credit Risk and Model Risk Analysts to join Square's growing Banking organization. We have an incredible team that is working to make financing easier, fair and more transparent for all businesses. As a credit analyst, you will leverage advanced data analytics to derive insights and optimize credit strategies. As Banking expands its product set to help sellers meet their varying financing needs, you would develop evaluation frameworks for the Square credit ecosystem, and perform modeling/analytics to assist new product pricing strategies for various lending products.
You Will

• Work closely with the Head of Credit Policy to develop and maintain a range of credit strategies, such as portfolio management, pricing strategies and loss forecasting
• Develop segment level valuations that allows for optimal policies at the segment level
• Perform modeling/analytics to assist new product and pricing strategies for various lending products
• Run and monitor various A/B tests to understand sensitivity around line and pricing, and make recommendations based on the findings
• Collaborate with Product, Data Science and Finance teams to influence underwriting, and find opportunities in improving current credit portfolio performances and profitability

You Have

• Bachelor's Degree in a quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering)
• 5+ years in credit risk analytics, consulting, risk management, or related fields
• Fluency in SQL and familiar with a scripting language like Python
• Excellent written, oral, and presentation skills and an ability to synthesize information and make clear, concise recommendations on a course of action
• Ability to collaborate and influence across different teams in the organization

Even better:

• An advanced degree (M.S., PhD.) in Mathematics, Statistics, Computer Science, Physical Sciences, Economics, or a related technical field
• Experience in consumer or business credit card, credit risk modeling is a huge plus

We're 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 basis.
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 we're doing to build a workplace that is fair and square? Check out our I+D page .
Block will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and "fair chance" ordinances.
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.
Zone A:
$163,600 - $245,400 USD
Zone B:
$152,200 - $228,200 USD
Zone C:
$144,000 - $216,000 USD
Zone D:
$135,800 - $203,600 USD
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. Check out benefits at Block.
Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, TIDAL, and TBD, we build tools to help more people access the economy. Square helps sellers run and grow their businesses with its integrated ecosystem of commerce solutions, business software, and banking services. With Cash App, anyone can easily send, spend, or invest their money in stocks or Bitcoin. Spiral (formerly Square Crypto) builds and funds free, open-source Bitcoin projects. Artists use TIDAL to help them succeed as entrepreneurs and connect more deeply with fans. TBD is building an open developer platform to make it easier to access Bitcoin and other blockchain technologies without having to go through an institution.