Principal Software Engineer, Square Banking

  • San Francisco, CA, USA
  • Employees can work remotely
  • Full-time

Company Description

Since we first opened our doors in 2009, the world of commerce has evolved immensely – and so has Block. 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 Block 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

Square’s rapidly growing financing platform, Square Banking Credit, has revolutionized the way businesses and consumers obtain the funding needed to achieve their goals.


Unlike traditional business financing products, Square Banking Credit offers are extended to pre-qualified sellers based on their business performance, funds are deposited as soon as the next business day, and are customizable based on the Seller’s needs. Since the product launched in 2014, Square Banking Credit has extended more than $9 billion to hundreds of thousands of sellers worldwide.


As a software engineer on the Banking Credit Foundations and Originations Team, you will help us grow and expand access to Credit for our Square sellers. You will be responsible for designing, building and owning sophisticated and highly available financial systems. You will join our team inventing and pioneering new services and platforms that serve and run our capital, underwriting, and origination products by re-imagining how we design and build modern cloud systems.


As an engineer on our team, you will:

  • Lead and empower an outstanding team of engineers by mentoring individuals, promoting pragmatic engineering decision-making, and leveraging your technical expertise to constantly raise the quality of design decisions and implementation

  • Help set broad direction and vision, influence engineering and business strategy, and establish practices to efficiently and effectively address customer needs

  • Guide and participate in critical technical, design, and product discussions with leaders across our various product, data science, operations, and engineering teams

  • Oversee the success of your team's projects and deliver quantifiable results

  • Examine problems facing our team and adjacent teams and invent new patterns and solutions for software development

  • Experiment with new technologies and teach your peers how to leverage them in our work

  • Embed with sibling teams to share knowledge and drive architectural change across the organization

  • Collaborate closely with peer engineers, platform teams, product managers, and designers to develop and deploy software products

  • Leverage architecture patterns and cloud technologies to deliver delightful experiences to our Sellers and our own teams

  • Participate in ongoing training to maintain current knowledge of BSA/AML and perform BSA/AML duties as required

  • Interest in working in backend and full stack development


You have:

  • 11+ years of software engineering experience

  • Interest in working on back-end systems, from APIs and business logic to optimizing databases, streams, and software engines

  • Interest in modeling complex domains and building resilient systems to support high-throughput real world applications

  • Excellent software development skills and architectural design skills

  • Experience collaborating with product managers, data analysts, and other engineering and cross-functional leaders 

  • Experience with machine learning and data applications

  • Knowledge of programming languages (e.g. Go, Ruby, Java, Python)

  • Knowledge of cloud concepts and systems (e.g. AWS, GCP, Azure)

  • Relevant engineering experience in lending, finance, accounting, or similar domains


Tools we use and teach:

  • AWS

  • Go

  • Ruby on Rails

  • TypeScript

  • Protocol Buffers

  • Terraform

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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