Software Engineer, Payment Intelligence

  • Full-time

Company Description

We believe everyone should be able to participate and thrive in the economy. So we’re building tools that make commerce easier and more accessible to all. We started with a little white credit card reader but haven’t stopped there. Our new reader helps our sellers accept chip cards and NFC payments, and our Cash app lets people pay each other back instantly. We’re empowering the independent electrician to send invoices, setting up the favorite food truck with a delivery option, helping the ice cream shop pay its employees, and giving the burgeoning coffee chain capital for a second, third, and fourth location. Let’s shorten the distance between having an idea and making a living from it. We’re here to help sellers of all sizes start, run, and grow their business—and helping them grow their business is good business for everyone.

Job Description

Square processes billions of dollars every year. At that scale, small tweaks can lead to huge efficiency gains. Payment Intelligence makes data-driven improvements to core payment metrics such as decline rates and transaction profit. This work has direct impact on Square’s profitability and financial success. This team consists of engineers and data analysts that work together closely to find and implement optimizations to our payment stack.

Hard Problems

  • Transaction Cost datastore – We are building the next-generation cloud data infrastructure in order to provide a stable data foundation to do ML training and calculate transaction cost real time.

  • Dynamic routing – We need to be able to route every individual payment in the most optimal fashion, depending on cost, success rates, speed, etc. This will allow us to build smart traffic shaping, e.g. to hit different pricing

Qualifications

You will:

  • Identify and introduce margin optimization changes

  • Work across the whole payment stack that consists of dozens of micro services

  • Implement new money routing and pricing features

  • Make data-driven decisions

  • Build out Square’s Transaction Cost Data platform, used by the rest of the organization and a key strategic asset of Square

  • Design high volume data injection pipelines

  • Provide curated data feeds and ML training solutions

  • Evaluate ML and cloud based platforms and services

  • Work cross-functionally with our product, business, and finance teams to develop Square’s global payments strategy

You have:

  • At least 5 years of experience in building and architecting data solutions

  • Dug into ML and analytics before

  • Innate curiosity and a desire to be responsible for all aspects of reliably moving billions of dollars in a small, highly focused team

  • Understanding and curiosity in creating highly available, scalable, low-latency data systems

  • Interest in changing the payments landscape in the US and globally

Technologies we use:

  • Java, Python

  • Guice, Guava, Protocol Buffers, Hibernate, jOOQ, scikit-learn

  • MySQL, Redis, Kafka, Hadoop, Airflow, Vertica

Technologies we evaluate:

  • Tensorflow

  • Google Cloud Platform (BigQuery, Google Cloud Storage, DataFlow, PubSub, CloudML etc.)

Additional Information

At Square, we value diversity and always treat all employees and job applicants based on merit, qualifications, competence, and talent. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.

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