Staff Data Scientist, Credit Policy (Square Financial Services)

The role

You will own credit policy from evaluating data signals to designing decisioning logic. You will also manage credit policy governance, including documentation, monitoring, and reporting for a regulated bank.

What you will do

• Evaluate alternative external data sources and design new policy strategies.
• Maintain policy documentation, change logs, and approval artifacts.
• Deliver portfolio performance and policy-impact reporting to leadership and bank oversight functions.
• Propose and design experiments for credit products including champion/challenger tests and randomized holdouts.
• Review experiment designs from partner teams for statistical rigor and regulatory alignment.
• Form policy guidelines and frameworks such as risk appetite thresholds and concentration limits.
• Partner with Risk Management, Compliance and Internal Audit teams.
• Support team members with updates to existing policies and troubleshooting in production.
• Operate within the framework of a regulated bank.

Required qualifications

• 8+ years of related experience with a Bachelor's degree; or 6+ years and a Master's degree; or a PhD with 3+ years experience
• A degree in a technical field (e.g., Computer Science, Mathematics, Statistics, Physics, or Engineering)
• Demonstrated experience in credit policy governance at a bank, fintech, or consumer/small business lender
• Experience proposing, designing, and reviewing experiments for credit products
• A track record of building and owning portfolio monitoring and reporting
• Experience translating business objectives into credit policy guidelines
• Strong quantitative intuition and data visualization skills
• The versatility to communicate clearly with both technical and non-technical audiences
• A pragmatic approach to problem-solving

Nice to have

• A demonstrated track record of scientific research or an advanced degree
• Familiarity with regulatory expectations for credit products
• Strong proficiency in SQL and Python

Benefits

• Remote work
• Medical insurance
• Flexible time off
• Retirement savings plans
• Modern family planning

Before you apply

• 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
• Automated AI tools may be used to evaluate job applications

About the company

Block builds simple, powerful tools that make progress towards an economy that’s truly open to all. Its brands include Square, Cash App, Afterpay, TIDAL, Bitkey, and Proto.