Staff Machine Learning Engineer, Underwriting and Credit

Block

Confirmed live yesterday High trust
Remote

Quick summary

Work type
Remote
Location
Canada
Salary
$276,800–$415,200 / yr
Posted
88 days ago
Freshness
Confirmed live yesterday

Market check

Salary context

Above market

How this pay compares to similar roles

Similar $229k
This role $346k
$157k most similar roles pay here $443k

This role pays more than 98% of similar roles. Most pay $198,000–$259,212 — the shaded band above. At the midpoint, this role pays about $346k versus about $229k for comparable roles.

Based on 240 similar postings.

Employer

About Block

Block, Inc. (formerly Square) is a financial technology company operating the Square merchant payments ecosystem, Cash App peer-to-peer payments, TIDAL music streaming, and Bitcoin-focused financial services. Industry: Financial Technology & Payments

Block currently has 53 open roles on FindRole.

Listed pay typically runs $217,800–$326,800 across 52 roles with salary data.

Most-posted roles

View all roles at Block

At a glance

TL;DR · Staff Machine Learning Engineer, Underwriting and Credit

Careers - Staff Machine Learning Engineer, Underwriting and Credit joins the Credit Modeling team to build and evolve machine learning systems for Cash App Borrow and Afterpay. This role involves managing the full modeling lifecycle, including problem formulation, feature engineering, training, calibration, deployment, and monitoring. The engineer will develop credit decision frameworks, design experiments to evaluate model performance against loss and approval rates, and build agentic engineering workflows using AI tooling for automated testing and documentation. Key technical requirements include proficiency in Python, PyTorch, XGBoost, LightGBM, SQL, Snowflake, and MLflow, alongside experience with LLMs and agentic coding tools like Cursor or Copilot. The role addresses the challenge of underwriting diverse borrower profiles, including those with thin credit histories, while ensuring model reliability across complex repayment structures and regulatory requirements in the lending space.

What does a Machine Learning Engineer earn in Remote?

Median $229700 from 72 postings across 27 companies.

See salary data

What you'll do

  • Build, evaluate, and maintain underwriting and decisioning models for Cash App Borrow and Afterpay.
  • Design and evolve credit decision frameworks including modeling, automation, and policy logic.
  • Execute experiments to measure model performance, impact on approval rates, and loss metrics.
  • Manage the full modeling lifecycle from feature engineering and training to deployment and monitoring.
  • Develop agentic engineering workflows to accelerate development, testing, and documentation processes.
  • Analyze borrower behavior and repayment dynamics to inform model design and decision logic.
  • Communicate model behaviors, trade-offs, and uncertainties to senior technical and business leaders.
  • Define standards and governance for the adoption of AI developer tooling across the team.

What we're looking for

  • Bachelor's degree in a quantitative field such as Mathematics, Statistics, Physics, or Computer Science.
  • 10+ years of experience applying AI, machine learning, or statistical modeling in decisioning contexts like credit, risk, or fraud.
  • Experience with probabilistic models and decision systems including calibration, score transformations, and interpretation of outputs.
  • Strong experimentation skills to design holdouts, measure lift, and evaluate models beyond aggregate metrics.
  • Experience with model monitoring, degradation detection, and retraining strategies in production systems.
  • Proficiency with AI-native development workflows including LLMs, agentic coding tools, and AI-assisted automation.
  • Ability to explain modeling concepts, results, and limitations to senior stakeholders and cross-functional partners.
  • Experience working across disciplines in environments with meaningful constraints.

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