Staff Product Data Scientist, Lending

Cash App; San Francisco (CA); On-site; USD 239,600 - 359,400; Full time

Job summary

Block’s Data Science team in San Francisco builds and measures credit products powering Cash App Borrow, Afterpay, and Square Loans. You’ll define metrics, run experiments, and translate complex product questions into actionable decisions that expand access to credit.

You will use AI tools and agent workflows to speed analyses, stress-test hypotheses, and deliver scalable decision frameworks, partnering with product, engineering, and risk teams to impact customers and business outcomes.

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.
• 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

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
• Lead technical direction and standards for the Block Data Science team – making and building consensus on key technical decisions, and creating reusable frameworks, measurement templates, and scalable tooling that remove complexity for others
• Drive localized cross‑team impact by connecting measurement and insights across Lending products (Borrow, Afterpay, Square Loans) and partnering with senior stakeholders in product, engineering, and risk to align Data Science work with broader strategy
• 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

Skills

SQL

Data visualization

Statistical judgment

AI tools for analytics

Communication with stakeholders

Leadership / mentoring

Education

Bachelor’s degree in statistics, data science, economics, computer science, or similar

Graduate degree in statistics, data science, economics, computer science, or similar

Job description

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 the 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 build, measure, and improve credit products that serve customers that 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.

You Will

• 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
• Lead technical direction and standards for the Block Data Science team – making and building consensus on key technical decisions, and creating reusable frameworks, measurement templates, and scalable tooling that remove complexity for others
• Drive localized cross‑team impact by connecting measurement and insights across Lending products (Borrow, Afterpay, Square Loans) and partnering with senior stakeholders in product, engineering, and risk to align Data Science work with broader strategy
• 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

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
• 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

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