About the company
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 47 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.
Job Summary
You Will
📍Conduct in-depth credit reviews of our highest-risk sellers, including preparing credit memorandums for approval by senior management 📍Lead due diligence calls with prospective and existing sellers to ensure that key risks are fully understood and mitigated 📍Work closely with partners in Sales, Account Management, Legal and Finance & Strategy 📍Present to Credit Committees and partners; effectively represent Credit Risk team and perspectives 📍Support principled risk-taking in emerging products and markets by building frameworks for credit analysis 📍Contribute to the development of credit policies and add structure 📍Proactively identify ways to improve our underwriting and operations; and collaborate to build strategic programs 📍Share insights and expertise with the team; promote accountability for team-level and individual results
You Have
📍4+ years of experience in commercial banking, commercial credit, or payment industries 📍Advanced commercial credit underwriting skills, including complex financial statement analysis 📍Familiarity with diverse risk management tools and techniques 📍Strong professional communication skills internally and externally; able to work with clients to understand their business and gather information 📍Data skills and ability to translate findings into interpretable business case 📍Mandarin language proficiency is required in order to manage China based sellers 📍Experience with negotiating legal documentation a plus 📍SQL a plus
