Square
Overview
Staff Software Engineer, Credit Underwriting — Square Join to apply for the Staff Software Engineer, Credit Underwriting role at
Square . Square Banking has revolutionized how businesses obtain funding. As a Staff Software Engineer on the Credit Underwriting Team, you will help grow and expand access to credit for Square sellers by designing, building, and owning underwriting services that leverage data and machine learning to originate and approve lending products. The backend supports loan origination, while the frontend enables product teams to customize, test, and manage credit policies. You will work primarily on backend systems. Responsibilities
Solve ambiguous, high-risk, cross-team underwriting challenges by working directly in code and guiding solutions from implementation to resolution across the lending stack Guide the long-term technical strategy for underwriting services while contributing hands-on to critical lending platform capabilities Partner with engineering, product, risk, and data science teams to shape and develop novel lending capabilities Raise the technical bar through design reviews and architectural guidance; create designs for underwriting systems and provide feedback across lending teams to ensure reliability, maintainability, and extensibility Mentor engineers to grow technical depth and leadership capabilities, fostering underwriting domain knowledge and platform development Develop a best-in-class underwriting platform with robust APIs, clear documentation, and responsive support for policy teams Qualifications
12+ years of backend engineering experience with measurable impact Expertise in Go, Ruby, or Kotlin with ability to learn others Proven track record architecting and scaling high-reliability financial systems with strong operational excellence, fault tolerance, and data integrity Strong mentorship, cross-team collaboration, and technical communication skills Ability to decompose complex, ambiguous problems into maintainable solutions (Optional) Domain experience in lending, credit underwriting, or consumer credit systems Technologies We Use and Teach
AWS Go Ruby on Rails Kafka Terraform ES6 & TypeScript React Compensation
Block takes a market-based approach to pay. U.S. locations are categorized into zones. Zone A–D ranges show starting pay estimates and may vary by location and market conditions. Zone A: $263,600—$395,400 USD Zone B: $263,600—$395,400 USD Zone C: $263,600—$395,400 USD Zone D: $263,600—$395,400 USD Hiring Practices
We may use automated AI tools to evaluate applications for efficiency and consistency. These tools comply with local regulations, including bias audits, and we handle all personal data in accordance with privacy laws. Contact privacy@block.xyz with hiring practice or data usage questions. Seniority level
Mid-Senior level Employment type
Full-time Job function
Engineering and Information Technology
#J-18808-Ljbffr
Staff Software Engineer, Credit Underwriting — Square Join to apply for the Staff Software Engineer, Credit Underwriting role at
Square . Square Banking has revolutionized how businesses obtain funding. As a Staff Software Engineer on the Credit Underwriting Team, you will help grow and expand access to credit for Square sellers by designing, building, and owning underwriting services that leverage data and machine learning to originate and approve lending products. The backend supports loan origination, while the frontend enables product teams to customize, test, and manage credit policies. You will work primarily on backend systems. Responsibilities
Solve ambiguous, high-risk, cross-team underwriting challenges by working directly in code and guiding solutions from implementation to resolution across the lending stack Guide the long-term technical strategy for underwriting services while contributing hands-on to critical lending platform capabilities Partner with engineering, product, risk, and data science teams to shape and develop novel lending capabilities Raise the technical bar through design reviews and architectural guidance; create designs for underwriting systems and provide feedback across lending teams to ensure reliability, maintainability, and extensibility Mentor engineers to grow technical depth and leadership capabilities, fostering underwriting domain knowledge and platform development Develop a best-in-class underwriting platform with robust APIs, clear documentation, and responsive support for policy teams Qualifications
12+ years of backend engineering experience with measurable impact Expertise in Go, Ruby, or Kotlin with ability to learn others Proven track record architecting and scaling high-reliability financial systems with strong operational excellence, fault tolerance, and data integrity Strong mentorship, cross-team collaboration, and technical communication skills Ability to decompose complex, ambiguous problems into maintainable solutions (Optional) Domain experience in lending, credit underwriting, or consumer credit systems Technologies We Use and Teach
AWS Go Ruby on Rails Kafka Terraform ES6 & TypeScript React Compensation
Block takes a market-based approach to pay. U.S. locations are categorized into zones. Zone A–D ranges show starting pay estimates and may vary by location and market conditions. Zone A: $263,600—$395,400 USD Zone B: $263,600—$395,400 USD Zone C: $263,600—$395,400 USD Zone D: $263,600—$395,400 USD Hiring Practices
We may use automated AI tools to evaluate applications for efficiency and consistency. These tools comply with local regulations, including bias audits, and we handle all personal data in accordance with privacy laws. Contact privacy@block.xyz with hiring practice or data usage questions. Seniority level
Mid-Senior level Employment type
Full-time Job function
Engineering and Information Technology
#J-18808-Ljbffr