Software Engineer, Square Lending

Since we opened our doors in 2009, the world of commerce has evolved immensely, and so has Square. After enabling anyone to take payments and never miss a sale, we saw sellers stymied by disparate, outmoded products and tools that wouldn't work together.
So we expanded into software and started building integrated, omnichannel solutions - to help sellers sell online, manage inventory, offer buy now, pay later functionality, book appointments, engage loyal buyers, and hire and pay staff. Across it all, we've embedded financial services tools at the point of sale, so merchants can access a business loan and manage their cash flow in one place. Afterpay furthers our goal to provide omnichannel tools that unlock meaningful value and growth, enabling sellers to capture the next generation shopper, increase order sizes, and compete at a larger scale.
Today, we are a partner to sellers of all sizes - large, enterprise-scale businesses with complex operations, sellers just starting, as well as merchants who began selling with Square and have grown larger over time. As our sellers grow, so do our solutions. There is a massive opportunity in front of us. We're building a significant, meaningful, and lasting business, and we are helping sellers worldwide do the same.
The Role
Square's rapidly growing financing platform, Square Lending, has revolutionized the way businesses obtain the funding needed to achieve their goals.
Unlike traditional business financing products, Square Lending offers are extended to pre-qualified sellers based on their business performance, funds are deposited as soon as the next business day, and are customizable based on the Seller's needs. Since the product launched in 2014, Square Lending has extended more than $16 billion to over two million sellers worldwide.
As an Engineer for the Servicing team on the Lending Platform, you will help build out a platform to handle the repayment orchestration, obligation tracking, and balance accuracy for the loan and credit card products that we offer Square sellers in the US and internationally. You will operate on the critical path of all our lending products, and have a direct impact on the success of the business. You will work primarily on our backend systems (which include Ruby on Rails and Kotlin).
You Will

• Help deliver major initiatives to expand access to credit for our sellers.
• Help us build the future of our servicing platform.
• Provide technical leadership and direction to the team, ensuring that engineering best practices are followed.
• Lead and participate in critical technical, design, and product discussions with leaders across our various product, data science, operations, and engineering teams.
• Oversee the success of your team's projects and deliver quantifiable results.
• Learn and understand multiple complex financial instruments to model commonalities between them.

You Have

• 4+ years of hands-on software engineering experience.
• Passion for working in a customer-focused environment.
• Interest in working on back-end systems, from APIs and business logic to optimizing databases and streams.
• Interest or relevant experience in lending, finance, accounting, or similar domains.
• Interest in modeling complex domains and building resilient systems to support high-throughput real-world applications.
• Excellent software development skills and architectural design skills.
• Proficiency in one or more programming languages, such as Ruby, Java, Go, Python.
• Experience collaborating with product managers, data analysts, and other engineering and cross-functional leaders.

Technologies We Use and Teach

• AWS
• Ruby on Rails
• Kotlin
• Terraform
• Kafka
• Aurora (MySQL)

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 a proud equal opportunity employer. We work hard to evaluate all employees and job applicants consistently, without regard to race, color, religion, gender, national origin, age, disability, veteran status, pregnancy, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.
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. Because the material duties of this role involve direct or indirect access to sensitive personal or financial data, a criminal background check is required following a contingent offer of employment.
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:
$163,600 - $245,400 USD
Zone B:
$155,400 - $233,200 USD
Zone C:
$147,300 - $220,900 USD
Zone D:
$139,000 - $208,600 USD
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. Check out benefits at Block.
Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, and TIDAL, 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.