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

Description • Apply scientific and statistical methods to evaluate new customer segments and improve underwriting performance. • Lead ML operations and infrastructure initiatives, including data ingestion scaling and support for more advanced model architectures. • Design and implement the full credit modeling stack from data signal curation through production decisioning logic. • Use data science techniques to turn messy external and internal data sources into usable modeling inputs. • Identify and execute improvements to credit policy that improve customer outcomes and portfolio performance. • Support updates to existing models and troubleshoot issues in a real-time production environment. • Operate within the requirements of a regulated banking environment, balancing innovation with safety, soundness, and compliance. Requirements • 8+ years of related experience with a bachelor's degree, 6+ years with a master's degree, or a PhD with 3+ years of experience in machine learning or statistical models deployed in production. • Degree in a technical field such as Computer Science, Mathematics, Statistics, Physics, or Engineering. • Strong quantitative intuition and data visualization skills. • Proven ability to conduct sophisticated ad-hoc and exploratory analysis. • Full-stack proficiency preferred, with the ability to work across data pipelines and production-grade software architecture. • Ability to communicate clearly with both technical and non-technical audiences, including executive stakeholders. • Pragmatic problem-solving approach with the ability to choose the right tool while navigating business, technical, and regulatory constraints. • Experience with tree-based models and gradient boosting is helpful but not required. • Demonstrated track record of scientific research or an advanced degree is strongly preferred. Benefits • Market-based pay with U.S. salary zones; starting salary ranges from $194,500 to $343,100 USD depending on location. • Remote work. • Medical insurance. • Flexible time off. • Retirement savings plans. • Modern family planning benefits. • Reasonable accommodations during the recruitment process. Apply tot his job Apply To this Job