Product Lead, Cash App Pay Over Time

Posted 6 Days Ago
Be an Early Applicant
8 Locations
Hybrid
7+ Years Experience
Blockchain • Fintech • Mobile • Payments • Software • Financial Services
We want to make the world’s relationship with money more relatable, instantly available, and universally accessible.
The Role
Lead the development and scaling of the Cash App Pay Over Time initiative, improving the initial pilot program, ensuring a seamless user experience, and collaborating with various teams including design, engineering, legal, and compliance. Drive alignment on vision and strategy across functions while focusing on positive outcomes for users.
Summary Generated by Built In

The Role:
Over 40M Americans have poor or thin file credit. These individuals often struggle to make ends meet, and rely on predatory products like payday or pawn shop loans. At Cash App Lending, we offer alternatives that are far cheaper, simpler, and straightforward. The results speak for themselves: we have grown nearly 3x in the last 12 months, and we're providing our customers with over $8B of credit access annually. We've got a long journey ahead, as we've realized less than 10% of our overall opportunity.
A major focus area is helping our customers pay over time, as our customers often can't pay for essentials like groceries, gas, or school supplies. We recently launched a pilot that allows customers to pay over time for their recent Cash Card purchases and the results have been extremely promising. Your job will be to take our initial pilot, massively improve it, and scale it to millions of customers. This role has significant executive visibility and is a top priority for the company.
You will:

  • Partner with design and engineering to build a simple and delightful UX.
  • Partner with the ML team to maximize access to credit within risk loss constraints.
  • Partner with legal and compliance to keep us in good standing with our regulators.
  • Partner with other product teams to weave Pay Over Time into the broader Cash App ecosystem.
  • Drive cross functional and executive alignment around a vision and roadmap.

  • You Have:
    Like us, you'll be deeply committed to delivering positive outcomes for users and passionate about shaping the future of Cash App. Additionally, we're looking for

    • 7+ years of product management experience delivering successful, innovative products.
    • Strong analytical abilities - ideally you've worked on ML or data-heavy products in the past, and are excellent at using data to make strategic decisions.
    • Strong product sense - you care deeply about design details and have great taste in design.
    • A driver's mindset - you are biased toward action with no task too big or small.
    • A high quality bar - for the product, yourself, and the people you work with.
    • Customer obsession - you want to deeply understand our customers and make something great for them.


    Highly preferred

    • Experience working in a high growth consumer business, whether FinTech or other
    • Experience leading and working with geographically dispersed teams


    We're working to build a more inclusive economy where our customers have equal access to opportunity, and we strive to live by these same values in building our workplace. Block is an equal opportunity employer evaluating all employees and job applicants without regard to identity or any legally protected class. We also consider qualified applicants with criminal histories for employment on our team, and always assess candidates on an individualized basis.
    We believe in being fair, and are committed to an inclusive interview experience, including providing reasonable accommodations to disabled applicants throughout the recruitment process. We encourage applicants to share any needed accommodations with their recruiter, who will treat these requests as confidentially as possible. Want to learn more about what we're doing to build a workplace that is fair and square? Check out our I+D page .
    Block will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and "fair chance" ordinances.
    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 . If a location of interest is not listed, please speak with a recruiter for additional information.
    Zone A:
    $180,000 - $270,000 USD
    Zone B:
    $171,000 - $256,600 USD
    Zone C:
    $162,000 - $243,000 USD
    Zone D:
    $153,000 - $229,600 USD
    Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, TIDAL, and TBD, we build tools to help more people access the economy. Square helps sellers run and grow their businesses with its integrated ecosystem of commerce solutions, business software, and banking services. With Cash App, anyone can easily send, spend, or invest their money in stocks or Bitcoin. Spiral (formerly Square Crypto) builds and funds free, open-source Bitcoin projects. Artists use TIDAL to help them succeed as entrepreneurs and connect more deeply with fans. TBD is building an open developer platform to make it easier to access Bitcoin and other blockchain technologies without having to go through an institution.

    Top Skills

    Machine Learning

    What the Team is Saying

    Laurence
    April
    Alec
    Norman
    Marquia
    The Company
    Atlanta, GA
    3,500 Employees
    Hybrid Workplace
    Year Founded: 2013

    What We Do

    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 app, bringing a better way to send, spend, invest, borrow and save to our millions of monthly active users. With a mission to redefine the world's relationship with money by making it more relatable, instantly available and universally accessible.

    Why Work With Us

    At Cash App, our mission is simple yet ambitious: to redefine the world’s relationship with money by making it more relatable, instantly available, and universally accessible. To make this real, we’re building a team of dreamers, innovators, and risk-takers to break the mold of what a financial brand can be. If that’s you, then come join us.

    Gallery

    Gallery
    Gallery
    Gallery
    Gallery
    Gallery
    Gallery
    Gallery
    Gallery
    Gallery

    Cash App Offices

    Hybrid Workspace

    Employees engage in a combination of remote and on-site work.

    Cash App has always been a distributed team working across timezones and continents. Today, we're remote-first by default, but encourage you to choose how you want to work: from home, one of our offices, or a mix of both.

    Typical time on-site: Flexible
    Atlanta, GA
    Charlotte, NC
    Kitchener, Ontario
    Melbourne, Victoria
    New York, NY
    Portland, OR
    Salt Lake City, UT
    Company Office Image
    San Francisco, CA
    Seattle, WA
    St Louis, MO
    Sydney, New South Wales
    Toronto, Ontario
    Learn more

    Sign up now Access later

    Create Free Account

    Please log in or sign up to report this job.

    Create Free Account