Job Description
Square, Inc. is seeking a Credit Policy Analyst to join our Risk team. In this role, you will be responsible for developing strategies, monitoring, and improving our end-to-end process to manage chargeback risk for sellers using Square to accept credit cards and other methods of payment. Responsibilities will include creation of new operational policies to be leveraged by our Credit agents, ensuring adherence through learning and development and quality assurance, and evaluating and adapting our strategies to best serve the needs of our sellers amidst the changing Block ecosystem. You will demonstrate a high degree of empathy for the businesses and people we serve, and bring creativity and structured thinking towards our procedures while maintaining a positive seller experience.
Responsibilities:
Design, implement, and monitor decisioning frameworks used for the evaluation of sellers on Square’s platform.
Analyze the performance of key credit risk models to recommend modifications in line with overall strategy
Oversee, report on, and provide guidance on the overall state of our Credit strategy (ie. Initiatives, Workflows, Procedures, Portfolio performance, etc.)
Design and implement on premise and off shore operational workflows
Lead and manage the large loss event program for Credit Risk
Evaluate and manage global portfolio credit risk and collateralization strategy
Lead coordination and governance with legal and compliance teams to facilitate the approval process of new initiatives
Assess emerging risks, new product development, and key risk trends to inform and define necessary global credit policy that responsibly enables business growth initiatives
Provide mentorship, guidance, and help to build the skills of the broader Credit Policy team
Help develop and implement comprehensive business rules that effectively allow sellers to process at Square while balancing potential loss
Support all internal and external credit risk related audit engagements
Ensure all financial testing and oversight requirements are met, including on-site and remote activities
Lead and manage multiple cross-functional programs and projects simultaneously with competing priorities
Qualifications
6+ years relevant experience within financial services or operations management such as commercial banking, credit, payment industries, consulting, or other related field. MBA a plus
Proficiency in SQL and one or more data visualization tool like Looker or Tableau
Strong familiarity with Business Process Management techniques as they apply to operational workflows
Thorough understanding of payments credit risk and/or a solid understanding of finance organizations
Excellent project management skills
Able to scope and execute key cross-functional initiatives with limited guidance
Able to create and maintain an effective organizational structure regarding all projects, materials, timelines, and critical information
Able to use data in conjunction with strategic priorities to complete portfolio assessment, identify trends and anomalies, as well as make recommendations for new initiatives
Excellent written, oral, and presentation skills and an ability to synthesize information and make clear, concise recommendations on a course of action
A creative and eager mindset, with a bias towards action and finding solutions amidst a shifting landscape
Experience using statistics and machine learning or experience with scripting and data analysis programming languages (e.g. Python, R) a plus
Additional Information
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. _
Additionally, we consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.
PERKS
We want you to be well and thrive. Our global benefits package includes:
Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, TIDAL, and TBD, 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.