Software Engineer, Cash App - Lending Products

Cash App is a dynamic financial ecosystem developed by Block, aiming to redefine the world's relationship with money. The Software Engineer for Lending Products will help build complex systems that provide low-friction access to credit for users, ensuring quality and compliance while collaborating with various teams.

Responsibilities:

• 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

Requirements:

• 5+ years working on complex systems and delivering quality software, with clear expertise developed in one or more technical areas
• Embrace an AI-first mentality. Leverage AI to augment your knowledge and capability in navigating development in complex systems with confidence
• 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
• 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
• Familiar with agentic engineering