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Since we opened our doors in 2009, the world of commerce has evolved immensely, and so has Square. After enabling anyone to take payments and never miss a sale, we saw sellers stymied by disparate, outmoded products and tools that wouldn't work together.
So we expanded into software and started building integrated, omnichannel solutions - to help sellers sell online, manage inventory, offer buy now, pay later functionality, book appointments, engage loyal buyers, and hire and pay staff. Across it all, we've embedded financial services tools at the point of sale, so merchants can access a business loan and manage their cash flow in one place. Afterpay furthers our goal to provide omnichannel tools that unlock meaningful value and growth, enabling sellers to capture the next generation shopper, increase order sizes, and compete at a larger scale.
Today, we are a partner to sellers of all sizes - large, enterprise-scale businesses with complex operations, sellers just starting, as well as merchants who began selling with Square and have grown larger over time. As our sellers grow, so do our solutions. There is a massive opportunity in front of us. We're building a significant, meaningful, and lasting business, and we are helping sellers worldwide do the same.
The Role
The Lending Capabilities Product Lead reports to the Head of Square Banking Product and Operations and develops the core capabilities that enable our lending business. These capabilities include customer onboarding, underwriting, credit servicing, liquidity, loan sales, and more. Your customers are Square Banking teams building credit products, our originating bank partners, and capital markets, treasury and accounting teams.
Square Banking provides loans, merchant cash advances, credit cards, lines of credit, hardware installment plans and other financing products to Square merchants around the world. For ten years, we have led the way in using data to extend capital to the businesses we serve. We nurture credit products from ideation to global scale. We pride ourselves on our integrity, innovation, and empathy for business operators of all sizes.
You will:
- Lead a team of product managers building our lending application, underwriting, financial data, decisioning, servicing and loan sale capabilities.
- Foster an environment that enables the team to build quickly while maintaining a high standard for quality. Maintain close links to Square platform teams to share best practices building back end products.
- Work with product teams, underwriting data science, capital markets, accounting, risk and other teams to understand the needs of our lending products and how you can work ahead of them.
- Execute the strategy to mature our capabilities under the North star of accelerating Square's lending product development velocity. Champion adoption of these common lending capabilities across Block.
- Translate the strategy into OKRs and a tactical roadmap for your products based on the needs of future product launches, and our commitment to growth and speed to market.
- Own key measurements (KPIs) of product performance and develop a measurement feedback loop into the roadmap to continuously improve our capabilities.
You have:
- 12+ years of experience in platform product management and leading product teams.
- Experience in developing credit products and capabilities at fintechs or traditional financial institutions. You understand credit decisioning and servicing requirements.
- A track record developing and implementing key strategies that altered the trajectory of a business. You have an excellent toolkit to help teams build their execution muscle.
- An understanding of modern technologies and architectural patterns and how they drive platform performance
- A bias to data-driven action so you can quickly make product and prioritization decisions to improve the business.
- Excellent cross-functional collaboration skills, able to build and maintain trust, generate excitement and buy-in for your strategies, and deliver on your promises. You can inspire people through your written and verbal communication skills in Square's document-leaning culture.
- A strong drive to mentor and develop product managers, drawing on your experience.
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 .
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:
$239,600 - $359,400 USD
Zone B:
$239,600 - $359,400 USD
Zone C:
$239,600 - $359,400 USD
Zone D:
$239,600 - $359,400 USD
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.
