Senior Staff Software Engineer, Square Lending Servicing Team

Block is one company built from many blocks, all united by the same purpose of economic empowerment. The blocks that form our foundational teams - People, Finance, Counsel, Hardware, Information Security, Platform Infrastructure Engineering, and more - provide support and guidance at the corporate level. They work across business groups and around the globe, spanning time zones and disciplines to develop inclusive People policies, forecast finances, give legal counsel, safeguard systems, nurture new initiatives, and more. Every challenge creates possibilities, and we need different perspectives to see them all. Bring yours to Block.
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 $20 billion to over two million sellers worldwide.
As a Lead Engineer for the Servicing team on the Lending Platform, you will drive initiatives to build 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 guide the technical direction for the organization so that we can provide a configurable platform that enhances developer velocity while maintaining Seller trust through a high level of accuracy and reliability in our systems.
This role operates on the critical path of all our lending products, and has a direct impact on the success of the business. You will partner closely with teams responsible for underwriting, applications, origination, accounting, capital markets, and new product launches. You will work with product managers, financial analysts, data scientists, operations, and other engineering teams across Square to build compelling solutions to drive business growth, while focusing on reliability, flexibility, and engineering excellence.
Work from anywhere: This role can be performed from any location in US or Canada.
You Will

• Lead the technical strategy and direction of the team and broader Lending Organization to improve configurability of our lending capabilities and maintain Seller trust.
• Oversee major initiatives, and ensure the success of team projects to expand access to credit for our sellers and build the future of our servicing platform.
• Engage in critical technical, design, and product discussions with leaders across our product, data science, operations, and engineering organizations.
• Learn and model complex financial instruments to identify commonalities and drive improvements.
• Participate in Square-wide technical leadership initiatives to develop and implement best practices.
• Mentor and develop engineering talent, foster a culture of growth and excellence.
• Drive innovation by partnering across Square to develop new products

You Have

• 12+ years of industry experience building and operating high-quality software.
• Passion for Square's mission.
• Interest or relevant experience in lending, finance, accounting, or similar domains and building resilient systems to support high-throughput real-world applications.
• Experience operating business critical services in highly regulated environments where accuracy is paramount.
• Proven track record in leading cross-organizational complex projects (spanning 1+ years) to successful completion.
• Experience elevating development skills by leading, mentoring, and supporting engineering orgs.
• Strong communication skills and customer empathy, with the ability to understand and address customer needs.
• Experience collaborating effectively with product managers, data analysts, other engineering and cross-functional leaders.
• Excellent software development and architectural design skills with proficiency in one or more programming languages, such as Ruby, Java, Go, Python.

Technologies We Use and Teach

• AWS, Kubernetes
• Ruby on Rails, Kotlin/Java, Go
• Terraform
• Kafka
• HTTP, JSON, gRPC, Protocol Buffers
• Aurora / MySQL
• DynamoDB
• ElasticSearch
• Lambda, Step Functions
• Temporal

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 will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and "fair chance" ordinances.
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 .
While there is no specific deadline to apply for this role, U.S. roles are typically open for an average of 55 days before being filled by a successful candidate. Please refer to the date listed at the top of this job page for when this role was first posted.
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:
$263,600 - $395,400 USD
Zone B:
$263,600 - $395,400 USD
Zone C:
$263,600 - $395,400 USD
Zone D:
$263,600 - $395,400 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. Remote work, medical insurance, flexible time off, retirement savings plans, and modern family planning are just some of our offering. Check out our other benefits at Block.
Block, Inc. (NYSE: XYZ) builds technology to increase access to the global economy. Each of our brands unlocks different aspects of the economy for more people. Square makes commerce and financial services accessible to sellers. Cash App is the easy way to spend, send, and store money. Afterpay is transforming the way customers manage their spending over time. TIDAL is a music platform that empowers artists to thrive as entrepreneurs. Bitkey is a simple self-custody wallet built for bitcoin. Proto is a suite of bitcoin mining products and services. Together, we're helping build a financial system that is open to everyone.