Credit Risk Specialist

  • Dublin, Ireland
  • 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 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

The role requires spoken and written fluency in English, with Spanish desirable

The role can be done fully remote anywhere in the republic of Ireland or hybrid option with offices in Dublin.


We are looking for a highly motivated finance professional to join Square’s world-class Risk organisation to help understand and manage credit risk for sellers processing on Square. The ideal candidate will have an understanding of credit and financial analysis, and a desire to apply those skills in new and innovative ways to help Square grow our annual processing volume while controlling loss related to chargebacks. 

In this role, you will be responsible for conducting reviews of new and existing sellers, assessing credit risk associated with processing activity, and taking appropriate action in line with our risk policies. You will be comfortable in an operations environment, maintaining high quality standards while ensuring that we adhere to internal and seller-facing service-level agreements. You will have a thirst for knowledge—gathering insights, identifying areas for improvement, and contributing to key initiatives to push our team forward. Lastly, we expect you to be dynamic and adaptable, have a positive attitude, and be passionate for Square’s mission of Economic Empowerment. If all of this sounds exciting, you may be a good fit and we look forward to hearing from you!

You Will: 

  • Perform reviews of high-risk seller accounts and take action in line with Square’s risk policies

  • Analyse risks associated with different seller business models and card processing patterns

  • Collect and review appropriate documentation necessary to assess and mitigate risk

  • Document decisions and rationale in accordance with our underwriting guidelines

  • Communicate with sellers via phone and email, including investigative-level conversations

  • Work effectively with internal partners including Fraud and Compliance, as well as multiple levels of management

  • Help identify process improvements and contribute to key Credit Risk projects and initiatives


You Have: 

  • Associate or Undergraduate degree in Finance, Economics, or Accounting desired. 

  • Previous experience in payments or fintech

  • 3+ years experience in credit operations, risk, underwriting, finance, or related

  • Previous experience in acquiring/card processing a plus

  • Experience or demonstrated understanding in financial statement analysis

  • Excellent organisational skills and attention to detail

  • Strong written and verbal communication skills

  • Self-starter; comfort dealing with ambiguity

  • Strong sense of accountability for helping our team achieve its collective goals and best-serve our customers 

  • Must be a team-oriented individual with a willingness to contribute new ideas, collaborate, and learn from and mentor others

  • Efficient and strong time management skills

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, based solely on the core competencies required of the role at hand, and without regard to any 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


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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