Machine Learning Modeler, Cash App

  • San Francisco, CA, USA
  • Full-time
  • Current Square Employee?: Apply via go/jobs

Company Description

Cash App is the fastest growing financial brand in the world. Initially built to take the pain out of peer-to-peer payments, Cash App has gone from a simple product with a single purpose to a dynamic app with over 24 million monthly active users. We are bringing a better way to send, spend, invest, and save to anyone who has ever sought an alternative to the traditional banking system. 

Loved by customers and pop culture, we’ve consistently held the top spot for finance in the App Store for many years, seeing more engagement with millions of followers across social media in a day than most brands see in a year. We are building an ecosystem to redefine the world’s relationship with money by making it universally accessible.

We want to hire the best talent regardless of location. Our employment model is distributed, offering the opportunity to collaborate with teams across the world in San Francisco, New York, St. Louis, Portland, Toronto, Kitchener-Waterloo, Sydney, and Melbourne. 

Interested in learning more?

Job Description

We are looking for Machine Learning Engineers to help build Cash App, the fastest growing financial app in the world. Machine Learning is an integral part of how we design products, operate, and pursue Cash App’s mission to serve the unbanked and completely disrupt traditional financial institutions. Our massive scale and rich transaction data create an endless number of opportunities to use AI to better understand our customers and offer new products and experiences that can improve their lives. We are a highly creative group that prefers to solve problems from first principles. We move quickly, make incremental changes, and deploy to production every day.

MLE Modeler, Lending
Working closely with our Lending team, you will build models that drive marketing, pricing, and risk management for our consumer lending products. Through your work you will empower the team to understand the financial performance of origination cohorts, optimize our automated decisioning pipeline using AI/ML, and help identify new opportunities for growth in our customer base. You will experiment with various modeling techniques on our comprehensive customer data and see your solution through to production by partnering cross-functionally with finance, product, and engineering teams. This role requires prior experience in the consumer credit or lending space.

MLE Modeler, Risk
Working closely with our Risk team, you will build machine learning models that detect fraudulent activity in real time. You will experiment with state-of-the-art algorithms to drive down false positives, collaborate on new product features to drive fraud losses down, use any and every dataset at your disposal (including 3rd party data) to engineer new features for risk models, verify customer documents using OCR, and use biometric and device signals to detect malicious logins and account takeovers.

MLE Modeler, Banking
Working closely with the Banking Product and Money Platform team, you will lead development of analytical and ML solutions that utilize our data to power optimizations across our Cash debit card and bank account products. Your work will aim to increase the customer adoption of banking products, reduce the manual operational load caused by banking features, and grow the overall revenue of Cash Banking as a whole. You'll be required to identify ML opportunities, prioritize your time, and solve complex problems where ML will have a significant impact for both our banking customers and/or the operation teams that support them.

Technologies we use (and teach):

  • Python (numpy, pandas, sklearn, xgboost, TensorFlow, keras, etc.)
  • MySQL, Snowflake, GCP, AWS, Tableau
  • Java


You have:

  • 3-5 years of relevant industry experience.
  • A graduate degree in computer science, AI, ML, applied math, stats, physics, or a related technical field.
  • Experience working with product, design, and engineering to prioritize, scope, design, and deploy ML models.
  • A track record of providing mentorship and technical leadership.
  • An appreciation for the connection between the software you build and the experience it delivers to customers.
  • A strong desire to perform and grow in your role.

Additional Information

Cash App treats all employees and job applicants equally. Every decision is based on merit, qualifications, 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 each office’s corresponding local guidelines.