Product Lead, New Bets – Consumer Credit

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

The consumer lending product team at Cash App is responsible for products including Cash App Borrow, Afterpay on Cash App Card, post-purchase Afterpay, and the Cash Credit Score. Our work focuses on building a more inclusive and transparent credit system powered by advanced ML models.

97M Americans have no credit history or are subprime (300-600 credit score). These individuals often struggle to make ends meet, and rely on predatory products like payday or pawn shop loans. At Cash App Lending, we offer alternatives that are far cheaper, simpler, and straightforward. The results speak for themselves: Over the last 3 years, we have gone from lending $1B → $26B/year, from ~unprofitable to ~$2.5B gross profit and from ~1M →10M MAUs. Read about our credit approach in our recent whitepaper and about our performance in our Q1 ‘25 shareholder letter.

We’re still in pretty early stages of our journey and are looking for someone to lead key components of new product and growth bets. This role has significant direct business impact and executive exposure visibility, and is a critical priority for the company.

You Will

• Wear many hats – this role has significant business & customer impact.

• Drive cross functional and executive alignment around a vision and roadmap.

• Partner with the ML team to maximize access to credit within risk loss constraints.

• Partner with design and engineering to build a simple and delightful UX.

• Partner with legal and compliance to keep us in good standing with our regulators.

• Partner with other product teams to ensure your launches fit cohesively within our broader product portfolio.

You Have

• Cultural fit:

• High ownership and throughput: We are in hypergrowth and are looking for multipliers.

• Comfortable with driving clarity in chaos: You have a track record of developing clear perspectives in workstreams with no clear answers. You take a strategic, first principles approach to figuring out the next step.

• Team culture: You drive a high-velocity team while intentionally building a strong, positive culture, not at its expense.

• Product craft:

• Strong design sense: You’ll hold a high bar for customer experience while redesigning major parts of our app. You can share clear examples of having done this in the past.

• Strong analytical abilities: Ideally, you’ve worked on ML products in the past and use data to make strategic decisions.

• Strong communication skills: In order to be successful, you will need to communicate complex concepts succinctly for broad audiences to drive decisions.

• Past experience:

• Proven track record of building and shipping medium - large consumer facing product changes.

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:
$198,000—$297,000 USD

Zone B:
$188,100—$282,100 USD

Zone C:
$178,200—$267,400 USD

Zone D:
$168,300—$252,500 USD

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.

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