Wait, What Do You Do?

<p>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.</p> <h3>The Role</h3> <p>We're seeking a Senior Credit Risk Analyst to join our Enterprise Risk Management team. This role sits at the intersection of credit risk analytics, data science, and strategic risk management. You'll leverage advanced querying, AI-assisted analytics, and predictive portfolio performance monitoring, identify emerging credit trends, and develop forward-looking risk indicators that inform our risk appetite and underwriting strategies.</p> <p>You'll work directly with senior leadership and support credit risk strategy at a fast-growing fintech bank. If you're passionate about credit risk, love working with data, and want to use cutting-edge AI tools to solve complex problems, this is the role for you.</p> <p><strong>You Will </strong></p> <ul> <li>Monitor credit performance across consumer and commercial portfolios</li> <li>Build and maintain credit risk dashboards that provide real-time visibility into portfolio health for senior management and the Board</li> <li>Analyze early warning signals (7-day delinquency, payment behavior changes, credit utilization patterns) to predict portfolio stress before it materializes in losses</li> <li>Track key credit risk indicators (KRIs) defined in the Bank's Risk Appetite Statement, including delinquency rates, charge-off metrics, risk grade distributions, and concentration limits</li> <li>Prepare monthly/quarterly credit risk reports for the management and board committees</li> <li>Lead or challenge credit risk assessments for new products, partnerships, underwriting policy changes, and portfolio expansion initiatives</li> <li>Partner with Credit, Underwriting, and Product teams to implement corrective actions and prevent recurrence</li> <li>Support regulatory examinations by preparing credit risk documentation, responding to examiner requests, and presenting portfolio performance</li> </ul> <p><strong>You Have</strong></p> <ul> <li>Bachelor's degree preferably in a business or quantitative field</li> <li>5+ years of prior credit risk experience in a bank / financial services organization</li> <li>Experience with regulatory requirements and guidelines</li> <li>Experience in BI tools, creating dashboards and reports for senior management review</li> <li>Strong interpersonal, analytical, verbal and written communication skills</li> </ul> <p><strong>Technologies We Use and Teach</strong></p> <ul> <li>Looker Dashboards</li> <li>Snowflake querying</li> <li>Claude or AI skills</li> </ul> <p>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. <strong>Want to learn more about what we're doing to build a workplace that is fair and square? Check out our</strong> <a href="https://block.xyz/news/inclusion" target="_blank">I+D page</a>.</p><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p> </p> <p>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.</p> <p>To find a location’s zone designation, please refer to this <a href="https://block.xyz/documents/salaryzones.pdf" target="_blank">resource</a>. If a location of interest is not listed, please speak with a recruiter for additional information. </p> <p> </p></div><div class="title">Zone A:</div><div class="pay-range"><span>$148,700</span><span class="divider">—</span><span>$223,100 USD</span></div></div><div class="pay-input"><div class="title">Zone B: </div><div class="pay-range"><span>$138,300</span><span class="divider">—</span><span>$207,500 USD</span></div></div><div class="pay-input"><div class="title">Zone C:</div><div class="pay-range"><span>$130,900</span><span class="divider">—</span><span>$196,300 USD</span></div></div><div class="pay-input"><div class="title">Zone D:</div><div class="pay-range"><span>$123,400</span><span class="divider">—</span><span>$185,200 USD</span></div></div></div><div class="content-conclusion"><p><strong>Application Guidelines</strong></p> <p>Candidates may submit up to 9 active applications within a 60-day period. Reapplications to the same role are accepted 90 days after a previous application has been reviewed.</p> <p><strong>Use of AI in Our Hiring Process</strong></p> <p>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. </p> <p>Contact us <a href="https://privacy.block.xyz/privacyportal/form">here</a> with hiring practice or data usage questions.</p> <p><em data-stringify-type="italic">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. </em><em data-stringify-type="italic"><a class="c-link c-link--underline" href="https://block.xyz/employee-benefits" target="_blank" data-stringify-link="https://block.xyz/documents/benefits.pdf" data-sk="tooltip_parent">Check out our other benefits at Block.</a></em></p> <p><em>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. <strong data-stringify-type="bold">Square</strong> makes commerce and financial services accessible to sellers. <strong data-stringify-type="bold">Cash App</strong> is the easy way to spend, send, and store money. <strong data-stringify-type="bold">Afterpay</strong> is transforming the way customers manage their spending over time. <strong data-stringify-type="bold">TIDAL</strong> is a music platform that empowers artists to thrive as entrepreneurs. <strong data-stringify-type="bold">Bitkey</strong> is a simple self-custody wallet built for bitcoin. <strong data-stringify-type="bold">Proto</strong> is a suite of bitcoin mining products and services. Together, we’re helping build a financial system that is open to everyone.</em></p> <p><a href="https://block.xyz/en/legal/applicant-privacy-notice" target="_blank">Privacy Policy</a></p></div>