Principal Product Manager - Credit

Marqeta, Inc.; Oakland (CA); Remote; USD 198,000 - 248,000; Full time

Benefits offered by this job

Health insurance

Flexible time off

Equity in a publicly-traded company

Remote-friendly

Development dollars

Job summary

Marqeta seeks a Principal Product Manager for the Credit team to own the end-to-end strategy and multi-quarter roadmap for the credit platform, scaling services for customers and partners. This is an individual-contributor role with mentorship across the team and a focus on risk/reward decisions and scalable credit infrastructure.

You will influence architecture and collaborate with engineering, GTM, operations, legal, compliance, and risk to deliver impactful features.

Responsibilities

• Shape the credit platform roadmap across multiple quarters to align with client needs, objectives, and regulatory requirements.
• Define scalable requirements and technical documentation for backend services, APIs, and data models.
• Lead cross-functional execution across engineering, GTM, operations, legal, compliance, and risk.
• Collaborate with engineering leadership on account management, transaction processing, and data integrity.
• Engage with customers and stakeholders to surface needs and validate solutions.
• Use analytics and product metrics to identify gaps and prioritize the roadmap.
• Represent credit externally to enterprise clients, issuing banks, and networks.
• Own outcomes across teams without direct reports.

Skills

Credit product management

Fintech payments

Stakeholder leadership

APIs & data models

Regulatory awareness

Technical depth

Job description

As a Principal Product Manager for the Credit team at Marqeta, you will own the end-to-end strategy for our credit platform — defining the multi-quarter roadmap that scales core credit services to meet the evolving needs of our customers and partners.

You are a recognized thought leader in credit and fintech, bringing forward-thinking ideas grounded in market dynamics, regulatory realities, and deep technical fluency. This is an individual contributor role where you will mentor others on the team and drive prioritization across a complex web of stakeholders, make clear-eyed risk/reward decisions, and set the standard for how great credit infrastructure products are built and delivered at scale.

We work Flexible First. This role can be performed remotely. We’d love for you to join us!

The Impact You'll Have

• Shape the Credit Platform Roadmap — Define, own and deliver the multi-quarter strategy for credit platform core services, aligning prioritization with client needs, business objectives, and regulatory requirements.
• Define Requirements That Scale — Author detailed product requirements and technical documentation that guide engineering teams building robust backend systems, APIs, and data models for credit account management and transaction processing.
• Drive Cross-Functional Execution — Lead coordination across engineering, GTM, operations, legal, compliance, and risk to move new credit products and features from concept to market with rigor and accountability.
• Shape architecture as a peer to engineering. Partner with engineering leaders on decisions affecting account management, transaction processing, and data integrity, and own the product consequences of those choices.
• Champion the Customer — Engage directly with external customers and internal stakeholders to surface needs, validate solutions, and ensure delivered features create measurable value.
• Make Data-Informed Decisions — Use analytics and product metrics to identify platform gaps, measure feature impact, and continuously sharpen prioritization across the credit roadmap.
• Represent credit externally. Be Marqeta's credit voice with enterprise clients, issuing banks, and networks. Bring market and regulatory signal into the roadmap before it turns into a client escalation.
• Lead across teams without direct reports. Align engineering, GTM, operations, legal, compliance, and risk across multiple teams. You own the outcome even when you don’t manage the people.

Who You Are

• 10+ years of product management experience in fintech or payments, with demonstrated experience working with networks and banks in a leadership capacity.
• Proven track record of shipping technically complex credit products and/or platforms at scale within multi-stakeholder, regulated ecosystems.
• Domain thought leader with the ability to identify market opportunities in credit, translate them into actionable strategy, and bring stakeholders along.
• Strong executive presence with experience influencing senior leadership, external customers, and cross-functional partners including legal, compliance, and risk.
• Deep technical acumen and genuine curiosity — comfortable engaging with APIs, data models, system architecture, AI/ML applications, and emerging technologies as a credible product voice.
• Bias for action in ambiguous situations — able to move teams forward through internal and external roadblocks with clarity and accountability.
• Prior experience building or scaling credit-as-a-service or embedded credit products for enterprise clients or card program managers.

Your Manager

• Lauren

Typical Process

• Application Submission
• Recruiter phone call
• Hiring manager video call
• Virtual “Onsite” consisting of 4-5, 45 min calls
• Offer!

Compensation And Benefits

Marqeta calibrates pay to a competitive value according to working location. Compensation is aligned according to three tiers within the United States:

• National: A baseline tier that applies to most of the geographic territory of the United States.
• Premium: Slightly elevated from the National tier, and oriented toward a narrower set of higher cost-of-living areas, such as Los Angeles CA and Seattle WA
• Premium Plus: A tier for the most expensive working areas, like the San Francisco Bay area and New York City.

Visit this page or consult with a recruiter to determine which tier would be applicable to you.

When determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new-hire base salary range for this full-time position is:

• National: 198,100 - 247,600
• Premium: 214,400 - 268,000
• Premium Plus: 233,000 - 291,300

We also believe in recognizing the contributions of our people. That's why we award annual bonuses to eligible employees, rewarding both individual performance and the success of the entire company.

Along With Monetary Compensation, Marqeta Currently Offers

• Multiple health insurance options
• Flexible time off – take what you need
• Retirement savings program with company contribution and after tax contributions
• Equity in a publicly-traded company and an Employee Stock Purchase Program
• Family-forming benefits, fertility support and generous parental leave base salary top-up
• Free therapy sessions, financial and professional coaching, and legal advice
• Monthly stipend to support our remote work model
• Annual “development dollars” to support our people growth and development

About Marqeta

Marqeta is on a mission to change the way money moves. We’re one of the earliest enablers of embedded finance, a market opportunity sized up in the trillions. Our card issuing platform provides unprecedented flexibility and control for companies to issue cards, authorize transactions, and manage payment operations in real time. Marqeta is powering the most well known brands in the new economy (Block, Cash App, affirm, Instacart, Doordash, Uber, Walmart, etc). You don’t need to be a Payments expert to join the Marqeta Team, let us help you with that. This is the opportunity of a lifetime to work with innovators around the world and unlock equitable financial access for all.

Marqeta’s Values

– Solve for the Customer: With a deep understanding of our customers' business and empathy for their needs, we deliver products and services that drive their success. Earning and keeping their trust guides everything we do.

– Do What's Right: Knowing businesses and livelihoods depend on us, we pursue solutions that disrupt responsibly and deliver high-quality results that our customers count on. We own our work from start to finish.

– Simplify and Innovate: We approach challenges with curiosity and take smart risks. Innovation comes from finding better, simpler ways to achieve extraordinary outcomes.

– Win as a Team: We succeed together by embracing diverse perspectives and pushing each other to raise the bar. We lead with humility and set aside hierarchy to work as a team.

– Make it Count: We drive forward with focus and agility. With a sense of urgency and purpose, we get the job done, and done right.

Equal Employment Opportunity, Accommodations and Privacy

Marqeta is an equal opportunity employer committed to an inclusive workplace that fosters belonging. We do not discriminate based on race, color, religion, sex (including pregnancy, lactation, childbirth, or related medical conditions), veteran status or uniformed service member status, age, national origin or ancestry, citizenship or immigration status, physical or mental disability, gender identity, gender expression, sexual orientation, genetic information (including testing or characteristics) or any other characteristic protected by applicable law. We also consider qualified applicants with criminal histories, consistent with legal requirements.

Marqeta endeavors to make reasonable accommodations for applicants with disabilities. If you are an individual with a disability and require a reasonable accommodation to submit this application, complete any pre-employment testing, or otherwise participate in the employee selection process, please submit this form with your specific accommodation request.

Marqeta cares about your privacy. Personal data that is provided as part of the application and recruitment process is processed in accordance with the Applicant Privacy Notice. Additional information for California residents can be found here.

To keep our interview process fair and consistent, we ask that all candidates join video interviews with their camera on.

Notice on Use of AI in Recruitment

We may use artificial intelligence (AI) tools in our recruitment processing consistent with the requirements of applicable laws. For more information, review our AI notice here.