Staff Data Scientist, Credit Policy (Square Financial Services) (Fintech)

Location: Remote Bay Area, CA, US

Salary: $168,300–$297,000 USD annually, depending on U.S. pay zone, location, skills, experience, qualifications, and market conditions.

Company

hirify.global builds technology and financial products through brands including Square, Cash App, Afterpay, TIDAL, Bitkey, and Proto to expand access to the global economy.

What you will do

• Own end-to-end credit policy for Square Financial Services, from evaluating alternative data signals to designing decisioning logic for new customer segments.
• Maintain credit policy governance, documentation, change logs, approval artifacts, and recurring portfolio-performance and policy-impact reporting for risk committees, senior leadership, and bank oversight functions.
• Design champion/challenger tests, randomized holdouts, and staged rollouts across approval, credit limits, and pricing, with hypotheses, success metrics, guardrails, and loss-exposure budgets.
• Review partner-team experiments for statistical rigor, sample sizing, risk exposure, fair lending considerations, and regulatory alignment.
• Define risk appetite thresholds, approval and limit standards, and concentration limits to support responsible portfolio growth within loss and profitability targets.
• Partner with Risk Management, Compliance, and Internal Audit, support policy updates and production troubleshooting, and balance innovation with regulated-bank safety, soundness, and compliance requirements.

Requirements

• 8+ years of related experience with a Bachelor's degree; or 6+ years with a Master's degree; or a PhD with 3+ years of experience; equivalent experience is also accepted.
• Degree in a technical field such as Computer Science, Mathematics, Statistics, Physics, or Engineering.
• Experience with credit policy governance at a bank, fintech, or consumer/small-business lender, including documenting and approving policy changes, preparing committee materials, and supporting regulatory exams and internal audits.
• Hands-on experience designing and reviewing credit-product experiments, including power and sample sizing, loss-exposure guardrails, and decision-ready readouts.
• Experience owning portfolio monitoring and reporting using KPIs, early-warning indicators, vintage analysis, and roll-rate analysis.
• Experience translating business objectives into credit policy guidelines covering risk appetite, approval and limit standards, and concentration limits.
• Strong quantitative intuition, data visualization skills, and sophisticated ad-hoc and exploratory analysis capabilities.
• Strong proficiency in SQL and Python, with the ability to contribute from data pipelines through production-ready policy logic.
• Clear communication with technical and non-technical audiences, including senior stakeholders, plus pragmatic problem-solving across business, technical, and regulatory constraints.

Nice to have

• Demonstrated scientific research track record or an advanced degree.
• Familiarity with regulatory expectations for credit products.

Culture & Benefits

• Remote work with market-based U.S. compensation organized into four geographic pay zones.
• Medical insurance, flexible time off, retirement savings plans, and modern family planning benefits.
• hirify.global uses automated AI tools in hiring subject to local regulations and bias audits.
• Candidates may maintain up to 9 active applications within a 60-day period.

Hiring process

• Submit no more than 9 active applications within 60 days; reapply to the same role only after 90 days following review of a previous application.