---
title: 'Staff Product Data Scientist, Lending at Block'
canonical: 'https://feeny.ai/job/staff-product-data-scientist-lending-block-san-francisco-ca-united-states-of-vkpfegvwyc3s'
type: 'job'
last_seen: '2026-09-14'
---

# Staff Product Data Scientist, Lending at Block

- **Company:** Block
- **Location:** San Francisco CA United States of, United States
- **Compensation:** $240k–$359k
- **Work type:** remote
- **Posted:** 2026-07-21
- **Last confirmed live:** 2026-09-14
- **Apply:** http://block.xyz/careers/jobs/5366284008?gh_jid=5366284008

## Job description

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

Block takes a market-based approach to pay, and pay may vary depending on your location. U.S. locations are categorized into one of four zones based on a cost of labor index for that geographic area. The successful candidate’s starting pay will be determined based on job-related skills, experience, qualifications, work location, and market conditions. These ranges may be modified in the future.

To find a location’s zone designation, please refer to this [resource](https://block.xyz/documents/salaryzones.pdf). If a location of interest is not listed, please speak with a recruiter for additional information.

Zone A: $239,600—$359,400 USD

Zone B: $239,600—$359,400 USD

Zone C: $239,600—$359,400 USD

Zone D: $239,600—$359,400 USD

Application Guidelines

Candidates may submit up to 9 active applications within a 60-day period. Reapplications to the same role are accepted 90 days after a previous application has been reviewed.

Use of AI in Our Hiring Process

We may use automated AI tools to evaluate job applications for efficiency and consistency. These tools comply with local regulations, including bias audits, and we handle all personal data in accordance with state and local privacy laws.

Contact us [here](https://privacy.block.xyz/privacyportal/form) with hiring practice or data usage questions.

Every benefit we offer is designed with one goal: empowering you to do the best work of your career while building the life you want. Remote work, medical insurance, flexible time off, retirement savings plans, and modern family planning are just some of our offering. [Check out our other benefits at Block.](https://block.xyz/employee-benefits)

Block, Inc. (NYSE: XYZ) builds technology to increase access to the global economy. Each of our brands unlocks different aspects of the economy for more people. Square makes commerce and financial services accessible to sellers. Cash App is the easy way to spend, send, and store money. Afterpay is transforming the way customers manage their spending over time. TIDAL is a music platform that empowers artists to thrive as entrepreneurs. Bitkey is a simple self-custody wallet built for bitcoin. Proto is a suite of bitcoin mining products and services. Together, we’re helping build a financial system that is open to everyone.

[Privacy Policy](https://block.xyz/en/legal/applicant-privacy-notice)

## About Block

## Company Overview
- **One-liner**: Block, Inc. builds technology for economic empowerment, providing financial services and tools for merchants and consumers through brands like Square, Cash App, Afterpay, Tidal, Bitkey, and Proto.
- **Entity Type**: Public (NYSE: SQ)
- **Headquarters**: Oakland, California, United States
- **Founded**: 2009
- **Founders**: Jack Dorsey, Jim McKelvey, Tristan O’Tierney

## Core Business
- **Primary industry**: Financial services, payments, and financial technology (fintech)
- **Target customers**: B2B (merchants, sellers of all sizes) and B2C (consumers, music listeners, bitcoin users)
- **Mission**: To build simple, powerful tools that make progress toward an economy that’s truly open to all — helping create a financial system that is open to everyone. [block.xyz](https://block.xyz/)

## Products & Services
- **Square**: Point-of-sale system and commerce platform that enables sellers to accept card payments, manage operations (bookings, e-commerce, inventory, payroll, banking), and access business loans. [linkedin.com/company/joinblock](https://www.linkedin.com/company/joinblock)
- **Cash App**: Digital wallet for consumers to send, receive, save, or borrow money; access a debit card; invest in stocks and bitcoin; and file taxes. [linkedin.com/company/joinblock](https://www.linkedin.com/company/joinblock)
- **Afterpay**: Buy now, pay later service that lets customers manage spending over time. [block.xyz](https://block.xyz/)
- **Tidal**: Music streaming platform that empowers artists to thrive as entrepreneurs. [block.xyz](https://block.xyz/)
- **Bitkey**: Simple self-custody bitcoin wallet. [block.xyz](https://block.xyz/)
- **Proto**: Suite of bitcoin mining products and services. [block.xyz](https://block.xyz/)

## Market Standing
- **Valuation/Market Cap**: $96.3 billion (as of 2025/2026, per LinkedIn). [linkedin.com/company/joinblock](https://www.linkedin.com/company/joinblock)
- **Key Metric (Public)**: Annual revenue of $24.2 billion (latest fiscal year). [linkedin.com/company/joinblock](https://www.linkedin.com/company/joinblock)
- **Notable Investors/Partners**: Jack Dorsey (founder, chair, CEO) owns ~10% of the company; other major institutional investors. Key partners include Amazon, Meta, Google (as talent sources). [linkedin.com/company/joinblock](https://www.linkedin.com/company/joinblock)
- **Growth Signals**: Serves 57 million users and 4 million sellers, processing $241 billion in payments annually. Operates in 34 countries. Headcount of 3,223 (though down 25.4% YoY). Active job postings increased 614% quarter-over-quarter (50 open roles). [linkedin.com/company/joinblock](https://www.linkedin.com/company/joinblock)

## Competitive Advantages
- **Ecosystem moat**: Multiple interconnected brands (Square, Cash App, Afterpay, Tidal, Bitkey, Proto) that cross-sell and deepen user engagement across payments, banking, music, and bitcoin.
- **Market leadership**: Dominant U.S. point-of-sale market share and strong consumer adoption of Cash App.
- **Bitcoin & crypto focus**: Early and deep integration of bitcoin (Bitkey wallet, Proto mining, Cash App crypto trading) differentiates Block from traditional fintechs.
- **Distributed work culture**: Allows global talent acquisition and flexible work arrangements that reduce real estate costs and increase employee satisfaction. [block.xyz/employee-benefits](https://block.xyz/employee-benefits)

## Strategic Focus
- Expanding the bitcoin ecosystem through self-custody (Bitkey) and mining infrastructure (Proto).
- Deepening financial inclusion with Cash App (banking, lending, investing) and Afterpay (credit alternatives).
- Growing the Square merchant platform internationally and into larger enterprise accounts.
- Leveraging AI in hiring and operations to improve efficiency and reduce bias. [block.xyz/careers/our-ai-hiring-principles](https://block.xyz/careers/our-ai-hiring-principles)

## Why Work Here
- **Culture**: Block emphasizes a “distributed work” model — employees choose where they work (home, office, hybrid) unless a role requires specific geography. Up to 45 days of international work flexibility across 150+ countries. [block.xyz/employee-benefits](https://block.xyz/employee-benefits)
- **Benefits**: Competitive pay, equity (Employee Stock Purchase Plan at 15% discount), matching 401(k), flexible PTO, comprehensive health/wellness (medical, dental, vision, mental health support), family leave, and family planning support. [block.xyz/employee-benefits](https://block.xyz/employee-benefits)
- **Engineering culture**: AI is used to augment hiring (not replace judgment). Strong emphasis on open source, bitcoin, and building for economic empowerment. Teams work across Square, Cash App, Afterpay, Tidal, Bitkey, and Proto — offering broad career mobility. [block.xyz/careers/our-ai-hiring-principles](https://block.xyz/careers/our-ai-hiring-principles)
- **Remote/Hybrid**: Fully distributed; offices available in Oakland, San Francisco, New York, Melbourne, London, Toronto, and more. [linkedin.com/company/joinblock](https://www.linkedin.com/company/joinblock)
- **Perks**: Employee stock ownership, wellness stipends, career growth programs across the ecosystem.

## Sources
1. [block.xyz](https://block.xyz/)
2. [block.xyz - Careers](https://block.xyz/careers/jobs)
3. [block.xyz - Employee Benefits](https://block.xyz/employee-benefits)
4. [block.xyz - AI Hiring Principles](https://block.xyz/careers/our-ai-hiring-principles)
5. [LinkedIn - Block](https://www.linkedin.com/company/joinblock)

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