Enterprise Portfolio Manager, Credit Risk

  • San Francisco, CA, United States
  • Full-time
  • Alternate Location: New York, United States

Company Description

Since we first opened our doors in 2009, the world of commerce has evolved immensely – and so has Square. After enabling anyone to take a payment and never miss a sale, we saw sellers stymied by disparate, outmoded products and tools that wouldn’t work together. So we expanded into software and started building integrated, omnichannel solutions – to help sellers sell online, manage inventory, run a busy kitchen, book appointments, engage loyal buyers, and hire and pay staff. And across it all, we’ve embedded financial services tools at the point of sale, so merchants can access a business loan and manage their cash flow all in one place.

Today, we’re a partner to sellers of all sizes – large, enterprise-scale businesses with complex commerce operations, sellers just starting out, as well as merchants who began selling with Square and have grown larger over time. As our sellers scale, so do our solutions. We all grow together.

There is a massive opportunity in front of us. We’re building a business that is big, meaningful, and lasting. And we are helping sellers around the world do the same.

Job Description

We are looking for an experienced credit professional to manage chargeback risk for our largest merchants. You will ensure accurate underwriting of large credit exposures, including document collection, investigative phone calls, preparation of credit memorandums, and presentation of recommendations to senior management. You will partner with Account Management to create approaches which mitigate risk and also provide the best possible experience for our sellers and help promote growth. Lastly, as a leader within the Credit Risk team, you will be a mentor and subject matter expert to help us continue to develop our people and capabilities in managing large seller credit risk.

You Will:

  • Oversight of large seller/high exposure portfolio, including ensuring adherence to ongoing reporting requirements, performing in-depth financial statement analysis, and upgrading/downgrading credit profiles based on changing risk factors
  • Lead investigative phone calls to understand merchant businesses
  • Propose and negotiate processing terms, including pricing, reserves, and limits
  • Present recommendations to senior management and C-level executives
  • Partner with team members including Finance team and Account Management to build workflows and strategies
  • Lead ad hoc underwriting projects, including working with internal and external counsel on troubled credits


You Have:

  • 10+ years of experience in commercial banking, credit, or payment industries, in an Underwriting, Portfolio Management, or Credit Officer capacity
  • Underwriting and financial statement analysis skills serving a variety of industries and business types
  • Excellent professional communications skills, written and verbal - easily communicate credit principles and build partnerships
  • Navigate difficult conversations with all partners
  • Bias towards action with demonstrated ability to make difficult decisions to drive results
  • Solve problems logically with imperfect information
  • Prior experience managing a team, experience with special assets/workout accounts

Additional Information

We’re working to build a more inclusive economy where our customers have equal access to opportunity, and we strive to live by these same values in building our workplace. Block is a proud equal opportunity employer. We work hard to evaluate all employees and job applicants consistently, without regard to race, color, religion, gender, national origin, age, disability, veteran status, pregnancy, gender expression or identity, sexual orientation, citizenship, or any other legally protected class. 

We believe in being fair, and are committed to an inclusive interview experience, including providing reasonable accommodations to disabled applicants throughout the recruitment process. We encourage applicants to share any needed accommodations with their recruiter, who will treat these requests as confidentially as possible. Want to learn more about what we’re doing to build a workplace that is fair and square? Check out our I+D page

Additionally, we consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.


We want you to be well and thrive. Our global benefits package includes:

  • Healthcare coverage
  • Retirement Plans
  • Employee Stock Purchase Program
  • Wellness perks
  • Paid parental leave
  • Paid time off
  • Learning and Development resources

Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, TIDAL, and TBD, we build tools to help more people access the economy. Square helps sellers run and grow their businesses with its integrated ecosystem of commerce solutions, business software, and banking services. With Cash App, anyone can easily send, spend, or invest their money in stocks or Bitcoin. Spiral (formerly Square Crypto) builds and funds free, open-source Bitcoin projects. Artists use TIDAL to help them succeed as entrepreneurs and connect more deeply with fans. TBD is building an open developer platform to make it easier to access Bitcoin and other blockchain technologies without having to go through an institution.

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