Staff Machine Learning Engineer, Underwriting and Credit

📋 Description

• Build, evaluate, and maintain underwriting and decisioning models for Cash App Borrow and Afterpay.
• Design and evolve credit decision frameworks, modeling, automation, and policy logic.
• Design and run experiments to measure model impact on approvals and losses.
• Develop understanding of borrower behavior and portfolio dynamics to inform design.
• Provide analysis to inform portfolio decisions and explain model tradeoffs to leaders.
• Cover full modeling lifecycle: problem formulation to production monitoring.

🎯 Requirements

• Bachelor's degree in a quantitative field; advanced degrees welcome.
• 10+ years applying AI/ML or statistics in decisioning (credit, risk, etc.)
• Experience with probabilistic models, calibration, score transformations
• Strong experimentation skills: design holdouts, lift, and evaluation
• Experience with model monitoring, degradation detection, retraining in production
• Proficiency with AI-native development workflows (LLMs, agentic tooling)

🎁 Benefits

• Remote work for US/Canada candidates.
• Medical insurance and flexible time off.
• Retirement savings plans and family planning benefits.
• Equity and compensation transparency.
• Access to inclusive hiring practices.
• Learn more about our benefits at Block.