Staff Data Scientist, Credit Policy (Square Financial Services)

Owns credit policy development and governance for Square Financial Services, including underwriting strategy, policy experimentation, portfolio monitoring, regulatory documentation, and risk reporting. Designs rigorous champion-challenger tests, randomized holdouts, and staged rollouts while balancing growth, losses, profitability, fair lending, and bank oversight requirements. Partners with Risk, Compliance, Internal Audit, and senior leadership to scale credit products responsibly.