Staff Machine Learning Engineer, Credit Products (Square Financial Services)

Responsibilities

• Apply a rigorous scientific mindset to underwriting new customer segments, evaluating alternative external data sources and deploying advanced architectures to enhance predictive accuracy.
• Lead complex ML Operations and Infrastructure initiatives, such as scaling data ingestion or enabling complex neural networks.
• Design and implement the full credit modeling stack, managing the entire lifecycle of credit decisioning and production integration.
• Use data science techniques to leverage new data sources, handling messy datasets for business decisions.
• Identify and execute improvements to credit policy using analytical approaches for customer and portfolio outcomes.
• Support team in model updates and troubleshoot production issues.
• Operate within regulated banking framework, balancing innovation with compliance.

Requirements

• Minimum 8 years experience with Bachelor's; 6 years with Master's; 3 years with PhD, focused on ML/statistical models in production.
• Degree in technical field (CS, Math, Stats, Physics, Engineering); preference for research or advanced degree.
• Strong quantitative intuition, data visualization, exploratory analysis.
• Full-stack proficiency across data pipelines to software architecture preferred.
• Clear communication with technical/non-technical audiences, especially executives.
• Pragmatic problem-solving balancing business, technical, regulatory constraints.
• Experience with tree-based models/gradient boosting helpful.

Compensation

Zone A: $228,700—$343,100 USD Zone B: $217,300—$325,900 USD Zone C: $205,900—$308,900 USD Zone D: $194,500—$291,700 USD