Software Engineer, Cash App - Lending Products
About the role
Cash App's mission is to make money instantly available and universally accessible—all the products and features we've released in the app are based on those principles. Lending is one of the newest Cash App products, and we're looking for a Software Engineer to join this team and help deliver on our vision of economic empowerment.
Lending offers Cash App and Afterpay users low-friction access to credit without prohibitive repayment terms. The Lending Engineering team is focused on building the complex systems and tooling to support access and availability at scale.
Responsibilities
- Partner closely with credit risk, legal & compliance, product managers, and other engineers to take the Lending capability to the next level.
- Lead or contribute to projects from hypothesis to production capability, ensuring ownership of the output quality.
- Build financial primitives by acting as an IC or lead on atomic, composable, API-level building blocks that serve Block's intelligence layer.
- Take a developer-centric approach to designing and building clean APIs, optimizing strictly for uptime, latency, regulatory compliance, and cost-per-transaction.
- Experiment with emerging approaches and support team capability by sharing learnings and providing feedback.
- Operate and manage existing Cash services.
- Make recommendations to improve the team and wider Engineering practices.
- Help interview candidates, organize external recruiting/networking activities, and contribute to the broader tech and open-source communities.
Requirements
- Embrace an AI-first mentality. Leverage AI to augment your knowledge and capability in navigating development in complex systems with confidence.
- Familiar with agentic engineering.
- 5+ years working on complex systems and delivering quality software, with clear expertise developed in one or more technical areas.
- Curiosity that pushes you to find flaws in complex systems and take whatever steps are necessary to fix them.
- Resilience to persevere in complex situations across multiple axes: e.g., scale, uncertainty, and interconnectedness.
- Self-directed and comfortable with ambiguity, with a willingness to publish your reasoning and be wrong publicly—which is essential for thriving in our transparent DRI/IC model.
Technologies We Use and Teach
- Java, Kotlin
- AWS
- HTTP, JSON, gRPC, Protocol Buffers
- OkHttp, Jetty, JUnit, Guice
- Hibernate, jOOQ, Aurora, MySQL, DynamoDB, Redis, Vitess
- Kafka, event-driven architecture, microservices
- DataDog
- Buildkite, Gradle
Pay
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.
- Zone A: $180,000 USD - $270,000 USD
- Zone B: $171,000 USD - $256,600 USD
- Zone C: $162,000 USD - $243,000 USD
- Zone D: $153,000 USD - $229,600 USD
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.
Benefits
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 offerings. Check out our other benefits at Block.