Staff Product Data Scientist, Lending

It all started with an idea at Block in 2013. Initially built to take the pain out of peer-to-peer payments, Cash App has gone from a simple product with a single purpose to a dynamic ecosystem, developing unique financial products, including Afterpay/Clearpay, to provide a better way to send, spend, invest, borrow and save to our 50+ million monthly active customers. We want to redefine the world’s relationship with money to make it more relatable, instantly available, and universally accessible.

Today, Cash App has thousands of employees working globally across office and remote locations, with a culture geared toward innovation, collaboration and impact. We’ve been a distributed team since day one, and many of our roles can be done remotely from the countries where Cash App operates. No matter the location, we tailor our experience to ensure our employees are creative, productive, and happy.

The Role

The Data Science team at Block turns unique customer and product data into decisions that expand access to financial services. Our Lending team powers decisioning behind Cash App Borrow, Afterpay, Square Loans, and the next generation of first-party credit products.

We’re looking for a Product Data Scientist to help build, measure, and improve credit products that serve customers traditional credit systems often miss. You’ll partner closely with product, engineering, and risk teams to define metrics, evaluate experiments, understand customer behavior, and turn ambiguous product questions into clear decisions.

This is an agentic data science role. You’ll use AI tools and agent workflows to move faster and think more rigorously across the full data science loop: exploring messy datasets, building pipelines, stress-testing hypotheses, evaluating product changes, and turning analysis into decisions.

You Will

• Turn complex product, customer, and risk data into clear insights, decision frameworks, and durable measurement systems for product, risk, and business partners
• Use AI tools and agent workflows to improve both the speed and quality of analytical work, from accelerating exploration and automating repetitive tasks to generating hypotheses and stress-testing conclusions
• Own end-to-end execution across analysis, metrics definition, experimentation, forecasting, visualization, and decision support
• Define and maintain measurement frameworks for credit products, including customer eligibility, repayment behavior, product usage, loss performance, funnel health, and long-term customer outcomes
• Partner with risk teams to evaluate model and policy performance, monitor cohorts, identify bias or drift, and connect risk decisions to product and business impact
• Design and analyze experiments, rollouts, and policy changes that shape customer access, repayment outcomes, and product growth
• Approach ambiguous product and risk questions from first principles, using statistical judgment to define the right cohorts, metrics, and decision criteria
• Communicate insights clearly to technical, product, and business stakeholders, including risk partners and senior decision-makers
• Lead technical direction and standards for the Block Data Science team - making and building consensus on key technical decisions, and creating reusable frameworks, measurement templates, and scalable tooling that remove complexity for others.
• Drive localized cross-team impact by connecting measurement and insights across Lending products (Borrow, Afterpay, Square Loans) and partnering with senior stakeholders in product, engineering, and risk to align Data Science work with broader strategy.
• Mentor and grow the team by developing junior data scientists, fostering a culture of analytical rigor and psychological safety, and contributing to hiring through interviews and calibrations

You Have

• A bachelor’s degree in statistics, data science, economics, computer science, or a similar quantitative field with 12+ years of experience in a relevant role OR
• A graduate degree in statistics, data science, economics, computer science, or a similar quantitative field with 6-8+ years of experience in a relevant role
• Advanced proficiency with SQL and experience building clear, decision-oriented data visualizations
• Strong product, analytical, and statistical judgment, including the ability to turn ambiguous product, customer, or risk questions into sound analyses, communicate tradeoffs clearly, and support decisions
• Experience using AI tools to improve the speed, quality, and durability of analytical work