# Software Engineer, Cash App - Lending Products

**Company:** [Square](https://hotfix.jobs/companies/square)
**Location:** Remote
**Role:** Backend Engineering
**Salary:** $153k – $270k/yr
**Experience:** 5+ years
**Skills:** Java, Kotlin, AWS, gRPC, Kafka, MySQL, DynamoDB, Redis, Microservices, Event-Driven Architecture, Hibernate, Jooq, Aurora, Vitess, Protocol Buffers
**Posted:** 2026-04-27

> Builds scalable systems and APIs for Cash App's lending products, partnering with risk, compliance, and product teams to deliver credit access at scale. Requires 5+ years in complex systems, AI-first mindset, and expertise in backend technologies like Java/Kotlin and AWS.

## Job Description

## You Will

- Partner closely with credit risk, legal & compliance, product managers and other engineers to take the Lending capability to the next level.
- Lead or contribute to projects from hypothesis to production capability, ensuring ownership of the output quality.
- Build financial primitives by acting as an IC or lead on atomic, composable, API-level building blocks that serve the Block's intelligence layer.
- Take a developer-centric approach to designing and building clean APIs, optimizing strictly for uptime, latency, regulatory compliance, and cost-per-transaction.
- Experiment with emerging approaches and support team capability by sharing learnings and providing feedback.
- Operate and manage existing Cash services.
- Make recommendations to improve the team and wider Engineering practices.
- Help interview candidates, organize external recruiting/networking activities, and contribute to the broader tech and open-source communities.

## You Have

- Embrace an AI-first mentality. Leverage AI to augment your knowledge and capability in navigating development in complex systems with confidence.
- Familiar with agentic engineering.
- **5+ years** working on complex systems and delivering quality software, with clear expertise developed in one or more technical areas.
- Curiosity that pushes you to find flaws in complex systems and take whatever steps are necessary to fix them.
- Resilience to persevere in complex situations across multiple axes: e.g., scale, uncertainty, and interconnectedness.
- Self-directed and comfortable with ambiguity, with a willingness to publish your reasoning and be wrong publicly—which is essential for thriving in our transparent DRI/IC model.

## Technologies We Use and Teach

- Java, Kotlin
- AWS
- HTTP, JSON, gRPC, Protocol Buffers
- OkHttp, Jetty, JUnit, Guice
- Hibernate, jOOQ, Aurora, MySQL, DynamoDB, Redis, Vitess
- Kafka, event-driven architecture, microservices
- DataDog
- Buildkite, Gradle

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**Apply:** https://hotfix.jobs/jobs/899f5df8-89f7-4883-8f86-828b00173eac
**Canonical:** https://hotfix.jobs/jobs/899f5df8-89f7-4883-8f86-828b00173eac