Staff Product Data Scientist, Lending

The Role

The Data Science team at Block turns unique customer and product data into decisions that expand access to financial services. Our Lending team powers decisioning behind Cash App Borrow, Afterpay, Square Loans, and the next generation of first-party credit products. We're looking for a Product Data Scientist to help build, measure, and improve credit products that serve customers traditional credit systems often miss.

You’ll partner closely with product, engineering, and risk teams to define metrics, evaluate experiments, understand customer behavior, and turn ambiguous product questions into clear decisions. This is an agentic data science role. You’ll use AI tools and agent workflows to move faster and think more rigorously across the full data science loop: exploring messy datasets, building pipelines, stress-testing hypotheses, evaluating product changes, and turning analysis into decisions.

Requirements

• 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

Qualifications

• 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
• 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

Benefits

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: $239,600—$359,400 USD
• Zone B: $239,600—$359,400 USD
• Zone C: $239,600—$359,400 USD
• Zone D: $239,600—$359,400 USD

Pay

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: $239,600—$359,400 USD
• Zone B: $239,600—$359,400 USD
• Zone C: $239,600—$359,400 USD
• Zone D: $239,600—$359,400 USD

Schedule

No specific schedule is provided in the job posting.