Data Science Manager, Credit Risk

  • San Francisco, CA, USA
  • 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)g.

Job Description

Afterpays Data Science Manager, Credit Risk is responsible for…

You will:

  • Lead a high performing data science team and build the foundation of Afterpay’s consumer lending credit framework

  • Leverage high dimensional first party and vendor data to apply advanced quantitative analysis and machine learning models to optimize Afterpay’s consumer lending credit risk decisions

  • Manage and optimize the performance of Afterpay’s consumer lending portfolio with ongoing experimentation and credit strategy enhancements

  • Drive ongoing data science innovations for better efficiency and effectiveness and work with cross-functional teams from ideation to implementation

  • Collaborate and drive alignment on key areas with a broad range of stakeholders such as Product, Engineers, Data Scientist, Operations, set and achieve shared objectives, provide strategic insight and solutions


You have:

  • Quantitative background in statistics, math, business, or related disciplines. Hands-on credit strategy experience in payments, lending, banking, financial institutions etc. a plus

  • 8+  year of experience in analyzing data and using database query language (e.g. SQL, etc) and data processing and analysis tools such as Python/R etc.. Experience with Python highly preferred

  • 4+ years of experience in using or developing machine learning models with large datasets

  • 2+ years of experience in managing data science team, managing team OKRs and the delivery of results 

  • Strong organizational/project management skills with the ability to manage multiple projects simultaneously in a fast-paced environment with tight deadlines

  • Risk domain expert with strong capability to make professional judgment and sound decision on new business cases/challenges under ambiguity and with minimal guidance

  • Strong problem solving and analysis skills, combined with superb communication skills

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

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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