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.

Responsibilities

• Turn complex product, customer, and risk data into clear insights, decision frameworks, and durable measurement systems for product, risk, and business partners
• Use AI tools and agent workflows to improve both the speed and quality of analytical work, from accelerating exploration and automating repetitive tasks to generating hypotheses and stress-testing conclusions
• Own end-to-end execution across analysis, metrics definition, experimentation, forecasting, visualization, and decision support
• Define and maintain measurement frameworks for credit products, including customer eligibility, repayment behavior, product usage, loss performance, funnel health, and long-term customer outcomes
• Partner with risk teams to evaluate model and policy performance, monitor cohorts, identify bias or drift, and connect risk decisions to product and business impact
• Design and analyze experiments, rollouts, and policy changes that shape customer access, repayment outcomes, and product growth
• Approach ambiguous product and risk questions from first principles, using statistical judgment to define the right cohorts, metrics, and decision criteria
• Communicate insights clearly to technical, product, and business stakeholders, including risk partners and senior decision-makers
• Mentor and grow the team by developing junior data scientists, fostering a culture of analytical rigor and psychological safety, and contributing to hiring through interviews and calibrations

Requirements

You Have 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 OR 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

• 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

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.