Software Engineer, Cash App - Lending Products

It all started with an idea at Block in 2013. 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 ecosystem, developing unique financial products, including Afterpay/Clearpay, to provide a better way to send, spend, invest, borrow and save to our 50+ million monthly active customers. We want to redefine the world's relationship with money to make it more relatable, instantly available, and universally accessible.
Today, Cash App has thousands of employees working globally across office and remote locations, with a culture geared toward innovation, collaboration and impact. We've been a distributed team since day one, and many of our roles can be done remotely from the countries where Cash App operates. No matter the location, we tailor our experience to ensure our employees are creative, productive, and happy.
The Role
Cash App's mission is to make money instantly available and universally accessible - all the products and features we've released in the app are based on those principles. Lending is one of the newest Cash App products and we're looking for a Software Engineer to join this team and help deliver on our vision of economic empowerment.
Lending offers Cash App and Afterpay users low-friction access to credit without prohibitive repayment terms, and the Lending Engineering team is focused on building the complex systems and tooling to support access and availability.The Lending Engineering team focuses on building the products and platforms that help deliver this access and credit to our customers at scale. We're looking for people who are as excited about our mission as they are about the technical challenges we have.
You Will

• Partner closely with credit risk, legal & compliance, product managers and other engineers to take the Lending capability to the next level.
• Lead or contribute to projects from hypothesis to production capability, ensuring ownership of the output quality.
• Build financial primitives by acting as an IC or lead on atomic, composable, API-level building blocks that serve the Block's intelligence layer.
• Take a developer-centric approach to designing and building clean APIs, optimizing strictly for uptime, latency, regulatory compliance, and cost-per-transaction.
• Experiment with emerging approaches and support team capability by sharing learnings and providing feedback.
• Operate and manage existing Cash services.
• Make recommendations to improve the team and wider Engineering practices.
• Help interview candidates, organize external recruiting/networking activities, and contribute to the broader tech and open-source communities.

You Have

• Embrace an AI-first mentality. Leverage AI to augment your knowledge and capability in navigating development in complex systems with confidence.
• Familiar with agentic engineering.
• 5+ years working on complex systems and delivering quality software, with clear expertise developed in one or more technical areas.
• Curiosity that pushes you to find flaws in complex systems and take whatever steps are necessary to fix them.
• Resilience to persevere in complex situations across multiple axes: e.g., scale, uncertainty, and interconnectedness.
• Self-directed and comfortable with ambiguity, with a willingness to publish your reasoning and be wrong publicly-which is essential for thriving in our transparent DRI/IC model.

Technologies We Use and Teach

• Java, Kotlin
• AWS
• HTTP, JSON, gRPC, Protocol Buffers
• OkHttp, Jetty, JUnit, Guice
• Hibernate, jOOQ, Aurora, MySQL, DynamoDB, Redis, Vitess
• Kafka, event-driven architecture, microservices
• DataDog
• Buildkite, Gradle

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:
$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
Application Guidelines
Candidates may submit up to 9 active applications within a 60-day period. Reapplications to the same role are accepted 90 days after a previous application has been reviewed.
Use of AI in Our Hiring Process
We 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.
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.