Remote Senior Data Scientist, Credit Policy & Governance

Block; San Francisco (CA); Hybrid; USD 198,000 - 297,000; Full time

Benefits offered by this job

Remote work

Medical insurance

Flexible time off

Retirement savings plans

Family planning

Job summary

Block, Inc. seeks a senior member of the Credit Policy team within Square Financial Services to own end-to-end credit policy for capital-intensive products, focusing on underbanked segments and rigorous, policy-driven modeling.

You will design, govern, and monitor experiments and reporting for policy changes, collaborating with Risk Management, Compliance, and Internal Audit to ensure regulatory compliance in a fast-paced production environment.

Qualifications

• Requires 8+ years in related field or 6+ with Master's or 3+ with PhD
• Degree in technical field; strong research track record preferred
• Experience in credit policy governance at a bank/fintech or lender
• Experience designing and reviewing experiments for credit products
• Experience building portfolio monitoring and reporting
• Ability to translate business objectives into policy guidelines
• Familiarity with regulatory expectations for credit products
• Strong data visualization and ad-hoc analysis skills
• Excellent communication with both technical and non-technical audiences

Responsibilities

• Own end-to-end credit policy governance and reporting to committees and leadership
• Design experiments for credit products with clear hypotheses and metrics
• Develop policy guidelines, risk appetite thresholds, and concentration limits
• Review partner designs for statistical rigor and regulatory alignment
• Collaborate with Risk, Compliance, and Internal Audit to ensure governance and exam-readiness
• Support production updates to policies and troubleshooting in real‑time
• Operate within a regulated banking framework while balancing innovation

Skills

8+ years experience

Strong communication

Quantitative intuition

Data visualization

SQL

Python

Regulatory awareness

Education

Bachelor's in CS/Math/Stats/Physics/Engineering

Master's degree preferred

PhD with 3+ years experience

Tools

SQL

Python

Job description

Block, Inc. seeks a senior member of the Credit Policy team within Square Financial Services to own end-to-end credit policy for capital-intensive products, focusing on underbanked segments and rigorous, policy-driven modeling.

You will design, govern, and monitor experiments and reporting for policy changes, collaborating with Risk Management, Compliance, and Internal Audit to ensure regulatory compliance in a fast-paced production environment.