Staff Software Engineer, Credit Underwriting

OverviewStaff Software Engineer, Credit Underwriting at Square. Join to apply for the Staff Software Engineer, Credit Underwriting role at Square.Square Banking has revolutionized how businesses obtain funding, offering pre-qualified options with fast deposits and repayment as a fixed percentage of daily card sales. Since launch in 2014, Square Banking has issued billions in loans to hundreds of thousands of sellers. As a Staff Software Engineer on the Credit Underwriting Team, you will help grow and expand access to credit for Square sellers. You will design, build, and own underwriting services that leverage data and machine learning to originate and approve lending products. Internal teams iterate on existing loan products and experiment with new loan structures. The backend powers loan origination and the frontend enables product teams to customize, test, and manage credit policies. You will work primarily on backend systems. Responsibilities Solve ambiguous, high-risk, and cross-team challenges in underwriting systems by working directly in the code and carrying 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, creating designs for underwriting systems and providing feedback across lending teams, ensuring reliability, maintainability, and extensibility Mentor engineers to grow their technical depth and leadership capabilities, fostering underwriting domain knowledge and platform development Further develop a best-in-class underwriting platform with robust APIs, clear documentation, and responsive support for credit policy teams You Have 12+ years of backend engineering experience with proven organizational impact Expertise in Go, Ruby, or Kotlin with openness to learn others Proven track record of architecting and scaling high-reliability financial systems with high 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 and Location Block uses a market-based pay approach. US locations are categorized into zones A–D with starting pay determined by skills, experience, location, and market conditions. Zone designations and ranges: 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. Use of AI in our hiring process: automated tools may be used to evaluate applications with compliance to local regulations and privacy laws. For questions about hiring practices or data usage, contact . Equal Opportunity Block, Inc. is an equal opportunity employer. We value diversity and inclusion in the workplace. #J-18808-Ljbffr

Created: 2025-09-17