Job Title

Remote Bay Area, CA, US Req ID: R0005615 Posted: 01/21/26The RoleMachine learning and data science are foundational to how Afterpay protects and scales its lending productsdetecting fraud, mitigating abusive behaviors, and enabling more inclusive credit decisioning. Our integrated ecosystem of borrower behavior, repayment dynamics and merchant networks offers a rare opportunity to apply advanced modeling and analytical rigor to strengthen portfolio resilience while accelerating the precision and speed of underwriting.As a technical and strategic leader, you will architect and build the ML systems that power fraud prevention and abuse mitigation across the lending lifecycle. You will partner closely with Product, Engineering, and Operations to drive platform-level improvements, influence portfolio and riskappetite decisions, and strengthen the resilience of our lending ecosystem. You will also lead our shift toward AInative, agentic risk systems that selfadapt, stay ahead of drift, and surface emerging fraud vectors before they scale.This role is fully remote for candidates based in the US or Canada.You WillShape nextgeneration lending decision frameworks with advanced analytics, machine learning, and agentic automation to improve precision, adaptability, and speed.Analyze large and complex datasets to surface insights that influence underwriting strategy, strengthen ecosystem safeguards, and inform product direction.Lead signal discovery and deep experimentations to identify evolving risk patterns and inform the design of nextgeneration lending decision systems.Collaborate with Product, Engineering and Operations teams to design systems and features that enhance trust and portfolio health.Mentor and elevate fellow scientists and modelers, contributing to modeling standards, best practices, and technical excellence across the team.Exercise a high level of autonomy and ownership, driving solutions from problem framing and design through deployment and iteration.You HaveBachelor''s degree in a quantitative field (e.g., Mathematics, Statistics, Physics, Computer Science, Machine Learning); Master''s or PhD preferred.10+ years of industry experience in risk, fraud, credit underwriting, or another highstakes decisioning domain.Deep expertise in machine learning methods, statistical modeling, and advanced analytical techniques.Strong analytical rigor with a deep testing mindset, including experience designing automated validation frameworks for models and decision logic.Strong communication skills, with the ability to explain complex concepts to both technical and nontechnical stakeholdersHandson experience with agentic workflows LLMbased agents or automation components that enhance modeling velocity and decision reliability.Technologies We Use and TeachSQLGitHubGCP/AWSSalary ZonesZone A: $276,800 $415,200 USDZone B: $276,800 $415,200 USDZone D: $276,800 $415,200 USDUse of AI in Our Hiring ProcessWe may use automated AI tools to evaluate job applications for efficiency and consistency. These tools comply with local regulations, including bias audits, and we handle all personal data in accordance with state and local privacy laws.Contact us here with hiring practice or data usage questions.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.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, 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 selfcustody 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.Block takes a marketbased 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 jobrelated 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 thisresource . If a location of interest is not listed, please speak with a recruiter for additional information.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.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. #J-18808-Ljbffr