[Remote] Staff Machine Learning Engineer, Underwriting and Credit

Note: The job is a remote job and is open to candidates in USA. Block is a technology company focused on increasing access to the global economy through its ecosystem, including Square and Cash App. They are seeking a Staff Machine Learning Engineer to build and evolve ML systems for underwriting and credit decisioning, working across the full modeling lifecycle to enhance credit offerings for underserved consumers.ResponsibilitiesBuild, evaluate, and maintain underwriting and decisioning models across Cash App Borrow and AfterpayDesign and evolve credit decision frameworks, including the modeling, automation, and policy logic that manage credit exposure over timeDesign and run experiments to evaluate model performance, measure impact on approval rates and loss, and inform credit policy decisionsDevelop deep understanding of borrower behavior, repayment dynamics, and portfolio structure across both products, and use that to inform model design and decision logicContribute analysis and perspective that inform portfolio-level decisions, including explaining model behavior, tradeoffs, and uncertainty to senior technical and business leadersWork across the full modeling lifecycle: problem formulation, feature engineering, training, calibration, deployment, monitoring, and iteration in productionBuild agentic engineering workflows that accelerate development, testing, and documentationCollaborate with Product, Engineering, Legal, Compliance, and Operations to ensure credit systems reflect business goals and regulatory expectationsShare modeling context and approaches across teams, helping align how credit risk is measured, interpreted, and discussedShape how AI developer tooling is adopted across the team, defining review practices, quality standards, and governance patternsSkillsA Bachelor's degree in a quantitative field (e.g., Mathematics, Statistics, Physics, Computer Science). Advanced degrees welcome10+ years applying AI, machine learning, or statistical modeling in decisioning contexts such as credit, risk, fraud, recommendations, or similar domainsExperience with probabilistic models and decision systems, including calibration, score transformations, and interpretation of model outputsStrong experimentation skills: you know how to design holdouts, measure lift, and evaluate models beyond aggregate metricsExperience with model monitoring, degradation detection, and retraining strategies in production systemsProficiency with AI-native development workflows. You use LLMs, agentic coding tools, and AI-assisted automation as a regular part of how you build and shipExperience explaining modeling concepts, results, and limitations to senior stakeholders and cross-functional partnersExperience working across disciplines in environments with meaningful constraintsBenefitsRemote workMedical insuranceFlexible time offRetirement savings plansModern family planningCompany OverviewBlock is a technology company with a focus on financial services. It was founded in 2009, and is headquartered in San Francisco, California, USA, with a workforce of 10001+ employees. Its website is https://block.xyz.Company H1B SponsorshipBlock has a track record of offering H1B sponsorships, with 22 in 2026, 257 in 2025, 253 in 2024, 260 in 2023, 297 in 2022. Please note that this does not guarantee sponsorship for this specific role.