Machine Learning Modeler - Credit Risk

  • Full-time

Company Description

Afterpay is transforming the way we pay by allowing customers to buy products immediately and pay for their purchases over four installments. The service is completely free⁵ for customers who pay on time - helping people spend responsibly. As of December 31, 2021, Afterpay is offered by more than 122,000 of the world’s favorite retailers and more than 19 million active customers have adopted the service.
Afterpay is currently available in Australia, Canada, New Zealand, the United States and the United Kingdom, France, Italy and Spain, where it is known as Clearpay. Afterpay is on a mission to power an economy in which everyone wins. Afterpay is a wholly owned subsidiary of Block, Inc. (NYSE: SQ)

Job Description

​​Problems you’d work on:

As a Machine Learning Modeler, you'll be playing a key role in generating data-driven intelligence about our merchants and customers as we look to further enhance growth and deepen engagement. You will be leveraging our rich data and state-of-art machine learning techniques to develop data products that are used by millions of users and propel the growth of our business. 

  • Design feature and Machine Learning model pipelines and services as well as prototype new approaches and productionize solutions at scale

  • Collaborate with Risk Decision Science team on the continuous optimization of credit strategy

  • Build Machine Learning tools that transform high dimensional data analytical challenges into interpretable and intuitive analytical flow

  • Apply ML and engineering best practices to shape how Cash App develops, tests and maintains ML-platform solutions

  • Work cross-functionally with Analytics, Product, Engineering to improve our existing Machine Learning systems

  • Identify new opportunities to apply Machine Learning to different parts of the products 

Technologies we use (and teach):

  • Python (NumPy, Pandas, sklearn, xgboost, PyTorch, TensorFlow, Keras, etc.)

  • MySQL, Snowflake, GCP/AWS and Tableau


You have: 

  • 3+ years of hands-on experience developing machine learning models at scale from inception to business impact

  • Proven ability to tailor machine learning solutions to business problems in a cross-functional team

  • Strong machine learning programming skills (Python, R, etc.)

  • Self-driven with the ability to work in a self-guided manner

  • Quantitative background in computer science, statistics, math, or related disciplines

  • Relevant experience in risk management (fraud/credit), and/or in business growth

  • Advanced knowledge of experimentation and statistical methods

  • Deep understanding of modern machine learning techniques and their mathematical underpinnings

  • An appreciation for the connection between the product and models you build and the experience it delivers to customers

  • Have a curious, passionate, growth-oriented mindset

Additional Information

Block takes a market-based approach to pay, and pay may vary depending on your location. U.S. locations are categorized into one of four zones based on a cost of labor index for that geographic area. The successful candidate’s starting pay will be determined based on job-related skills, experience, qualifications, work location, and market conditions. These ranges may be modified in the future.

Zone A: USD $167,300 - USD $204,500
Zone B: USD $158,900 - USD $194,300
Zone C: USD $150,600 - USD $184,000
Zone D: USD $142,200 - USD $173,800

To find a location’s zone designation, please refer to this resource. If a location of interest is not listed, please speak with a recruiter for additional information. 

Benefits include the following:

  • Healthcare coverage
  • Retirement Plans including company match 
  • Employee Stock Purchase Program
  • Wellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowance 
  • Paid parental and caregiving leave
  • Paid time off
  • Learning and Development resources
  • Paid Life insurance, AD&D. and disability benefits 
  • Perks such as WFH reimbursements and free access to caregiving, legal, and discounted resources 

This role is also eligible to participate in Block's equity plan subject to the terms of the applicable plans and policies, and may be eligible for a sign-on bonus. Sales roles may be eligible to participate in a commission plan subject to the terms of the applicable plans and policies. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.

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.

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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