Careers - Staff Machine Learning Engineer, Underwriting and Credit

Block

Remote

Quick summary

Work type
Remote
Location
Canada
Salary
$276,800–$415,200 / yr
Posted
today

Market check

Salary context

Above market

How this pay compares to similar roles

Similar $229k
This role $346k
$153k most similar roles pay here $443k

This role pays more than 99% of similar roles. Most pay $197,925–$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 228 open roles on FindRole.

Listed pay typically runs $184,500–$276,800 across 54 roles with salary data.

Most-posted roles

View all roles at Block

At a glance

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

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As a senior individual contributor on the Credit Modeling team at Block, you will build and maintain machine learning systems that underwrite customers for products like Cash App Borrow and Afterpay. Your day-to-day involves designing decision frameworks, running experiments to evaluate model performance, and developing features that generalize as borrower populations grow. You’ll work across the full modeling lifecycle, from problem formulation to deployment and monitoring, ensuring models are reliable and secure while adhering to regulatory standards. The role requires expertise in AI-native development workflows using tools like Claude Code, Cursor, Copilot, MLflow, and internal feature stores, alongside proficiency in Python libraries such as NumPy, Pandas, scikit-learn, PyTorch, XGBoost, and LightGBM. This position demands a deep understanding of borrower behavior and repayment dynamics to inform model design and decision logic, while collaborating with cross-functional teams to align credit risk measurement and governance practices.

Skills

Python NumPy Pandas scikit-learn PyTorch XGBoost LightGBM MLflow Prefect Airflow SQL Snowflake GitHub GCP AWS Claude Code Cursor Copilot

What you'll do

  • Build and maintain underwriting and decisioning models for Cash App Borrow and Afterpay.
  • Design and evolve credit decision frameworks to manage risk over time.
  • Conduct experiments to evaluate model performance and inform policy decisions.
  • Develop understanding of borrower behavior and repayment dynamics to improve model design.
  • Work across the full modeling lifecycle, from problem formulation to production iteration.
  • Build agentic engineering workflows to accelerate development and testing processes.

What we're looking for

  • 10+ years of experience in AI, machine learning, or statistical modeling for decision-making.
  • Strong background in probabilistic models and decision systems with expertise in calibration and score transformations.
  • Proficient in model monitoring, degradation detection, and retraining strategies in production environments.
  • Expertise in agentic engineering workflows and AI-native development tools like Claude Code and Copilot.
  • Ability to explain complex modeling concepts and results to senior stakeholders effectively.
  • Experience working across disciplines with meaningful constraints, such as legal and compliance requirements.

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