Senior Machine Learning Engineer (Modeling), Personalization

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
Machine Learning is an integral part of how we design products, operate, and pursue Cash App's mission to serve the unbanked as well as disrupt traditional financial institutions. Our massive scale and deep trove of transaction data create an endless number of opportunities to use artificial intelligence to better understand our customers and offer new products and experiences that can improve their lives. We are a highly creative group that prefers to solve problems from first principles; we move quickly, make incremental changes, and deploy to production every day. Check out our Machine Learning / AI blog !
This role is part of Cash App's Personalization ML Team. This team aims to personalize every interaction that our customers have with Cash App. This team oversees all personalization Machine Learning projects for Cash App & Afterpay, including recommendations, search retrieval/ranking, growth, incentives, and cross/up-sell.
You Will

• Partner closely with product and marketing teams to build a tailored experience that helps drive growth, engagement and revenue for Cash App
• Build and deploy machine learning models across our personalization domain

You Have

• Bachelor's degree in Computer Science, Statistics, Mathematics, or a related field. A Master's degree is preferred
• 3+ years of experience in machine learning, data analysis, or a related field
• Strong knowledge of machine learning algorithms and data analysis techniques
• Excellent problem-solving skills and attention to detail
• Strong communication skills, with the ability to explain complex concepts to non-technical stakeholders
• Search & Recommendation experience

Nice to Haves

• Experience working with Generative AI and its applications in personalization
• Contributions to research or publications in areas such as graph-based modeling, recommendation systems, customer retention (e.g., churn prediction), or lifetime value estimation
• Experience with Graph AI algorithms and network discovery techniques, including analyzing complex relationships and patterns within data networks

Technologies We Use and Teach

• Python (NumPy, Pandas, sklearn, xgboost, TensorFlow, keras, etc.)
• MySQL, Snowflake, GCP/AWS and Tableau
• Deep Learning (embeddings, two-tower, semantic search)

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 also consider qualified applicants with criminal histories for employment on our team, and always assess candidates on an individualized basis.
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 .
Block will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and "fair chance" ordinances.
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: USD $189,000 - USD $283,600
Zone B: USD $179,600 - USD $269,400
Zone C: USD $170,100 - USD $255,100
Zone D: USD $160,700 - USD $241,100
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.