Job Description

The Underwriting & Credit organization’s mission is to redefine credit and liquidity through simple, fair, and accessible credit solutions that build financial health and resilience. The Commerce team at Cash App provides different payment products such as BNPL (Buy Now, Pay Later), Pay monthly, Afterpay on Cash Card, etc. The Underwriting and Credit team is responsible for building systems that power credit risk management to all those products. Our services are part of Checkout, Home page and other key flows and are responsible for making lending and eligibility decisions for various products at AfterPay and Cash App.

As a member of the ML systems engineering team, you will work very closely with ML Modelers and Decision Scientists to integrate and productize credit risk models. The Underwriting systems engineering team is the main interface between the world of ML and product engineering, and as such your work will include everything from backend engineering, developing data pipelines, to creating features, and working with rules engines. We build our services over Cash App’s ever-evolving infrastructure, and as a senior engineer on the team, you will embrace these changes and scale our tech stack to promote future evolvability. This is an exciting opportunity to make a direct, tangible impact on our product and work on projects that are critical to the business’s success. 
 

You will:

• Be responsible for designing, building and managing the distributed services and pipelines for Underwriting & Credit at Afterpay & Cash App
• Lead impactful, multi-person projects that cross Engineering team boundaries
• Demonstrate high code quality, good test coverage and other engineering best practices 
• Collaborate with product, analysts, and modelers on planning and implementing frictionless user experiences 
• Work cross-functionally with product, platform, security, and data engineering teams to unlock new machine learning applications
• Have autonomy to research and achieve outcomes with support when you need it
• Creatively solve challenging technical problems at scale
• Contribute to the growth of our development capabilities through mentoring and supporting fellow engineers

Qualifications

You have: 

• 8+ years of backend software development experience in building and maintaining applications in any mainstream language such as: Java, Python, Kotlin, Ruby, Go, Swift, C++
• Enthusiasm about solving business problems with technology and proven experience successfully taking ownership of an end-to-end solution
• Passion about continuously learning new technologies, frameworks, and services
• Possess an execution mindset and the ability to deliver with cross-functional teams that are globally distributed
• Serious about testing and have experience with automated testing frameworks
• Experience of ML model-related experience is a bonus
• Experience with common technologies, for example, Kafka, Redis, Cassandra is a bonus
• A keen interest in advancing Cash App’s vision of building for economic empowerment

Tools we use and teach:

• Python, Java, Kotlin
• Kubernetes, AWS
• Datadog
• Hibernate, MySQL, Cassandra DB, DynamoDB
• HTTP, JSON, gRPC, Protocol Buffers
• Kafka, event-driven microservice architecture