Staff Data Scientist, Credit Policy (Square Financial Services)
Core
Design and govern credit policy for Block's capital-intensive lending products, expanding underwriting capabilities to underbanked segments while ensuring regulatory compliance.
Role type
Staff Data Scientist (Credit Policy)
Builds
Credit decisioning logic, policy frameworks, and portfolio monitoring systems for Square Financial Services.
Domain
Fintech / Consumer Lending / Regulated Banking
Deliverable
production ML models
Required skills
Credit policy governance, experimental design (A/B testing, champion/challenger), portfolio monitoring, risk appetite definition, regulatory compliance, SQL, Python, data visualization
Preferred skills
Advanced degree (Master's/PhD), scientific research track record, familiarity with regulatory expectations for credit products
Technologies
SQL, Python
Responsibilities
Evaluate novel data signals and design new policy strategies; own credit policy governance and reporting to risk committees; propose and design experiments for credit products; review partner team experiment designs; form policy guidelines and frameworks; partner with Risk Management and Compliance teams; support ad-hoc policy updates and troubleshooting.
Seniority
Staff, high-leverage IC with strategic ownership