Credit Specialist - Square Financial Services

  • Full-time

Company Description

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.

Job Description

Square Financial Services is seeking a highly motivated entry-level Credit Specialist to mitigate credit risk within the business financing space. Square Financial Services is responsible for safely providing funds to our customers to help them grow their businesses. In this role, you will analyze data using internal/external tools to distinguish risky accounts from opportunities across different types of businesses. The ideal candidate loves credit, has a strong attention to detail, and enjoys finding creative ways to manage risk while improving the client experience. Successful specialists become experts on Square Financial Services and can impact the product roadmap and customer experience.

You Will:

  • Define, test, and implement new strategies for the prevention of loss on Square Financial Services

  • Review applicant accounts to maintain default rate within investor requirements

  • Communicate with clients including investigative level conversations

  • Maintain accurate, up to date process documentation and reporting

  • Collaborate with teams across the organization to set policies and reduce loss

  • Track and report performance metrics

  • Surface opportunities to improve tools, workflow, and customer experience

  • Participate in ongoing training to maintain current knowledge of BSA/AML and perform BSA/AML duties as required by job function

Qualifications

You Have: 

  • 1+ year experience working in business lending 

  • Experience with financial analysis including reviewing financial statements

  • BS degree in Finance, Mathematics, or Accounting desired

  • Flexibility to adapt and able to manage multiple assignments while working independently

  • Enjoys working in fast-paced and rapidly changing start-up environment

  • Detective-like mentality; simultaneous desire to help customers and obtain the truth

  • Excellent organizational, analytical, and written communication skills

  • Must be a team-oriented individual with willingness to assist in training and development of new team members and/or contractors

  • Contagious passion for Block's mission

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. Square 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, 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, and always assess candidates on an individualized basis.

Perks

We want you to be well and thrive. Our global benefits package includes:

  • Healthcare coverage
  • Retirement Plans
  • Employee Stock Purchase Program
  • Wellness perks
  • Paid parental leave
  • Paid time off
  • Learning and Development resources

Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, TIDAL, and TBD54566975, 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. TBD54566975 is building an open developer platform to make it easier to access Bitcoin and other blockchain technologies without having to go through an institution.

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