Senior Product Manager - Credit

Marqeta, Inc.; California City (CA); Remote; USD 150,000 - 195,000; Full time

Benefits offered by this job

Health insurance options

Flexible time off

Retirement savings program with match

Equity in a public company and ESPP

Therapy and coaching benefits

Remote work stipend

Development dollars

Job summary

Marqeta, Inc. is seeking a Senior Product Manager for its Credit team to own the end-to-end evolution of the credit platform, shaping core services for clients launching and managing credit products at scale.

You will collaborate with engineering, GTM, design, legal, and compliance to deliver market-ready features with precision. You will translate regulatory and architectural realities into clear product decisions, drive platform strategy, and earn trust with engineers and executives alike.

Qualifications

• 5+ years of product management experience focused on credit cards or lending, with a track record of owning complex platforms or backend product areas end-to-end.
• ~5+ years of hands-on experience working with backend systems and APIs—able to engage fluently with engineering on system architecture, data models, and distributed services.
• Exceptional communication skills—distill complex technical and regulatory topics into clear narratives for audiences from backend engineers to external clients.
• Working knowledge of regulatory and compliance considerations relevant to credit products, with comfort navigating legal and risk reviews as a core part of product delivery.
• Familiarity with payment network rules, card scheme regulations, or broader payment technology best practices as they relate to credit product design.

Responsibilities

• Shape the Credit Platform Roadmap — Define and drive multi-quarter strategy for credit platform core services.
• Define Requirements That Scale — Author detailed product requirements and technical docs for APIs and data models.
• Drive Cross-Functional Execution — Lead coordination across engineering, GTM, operations, legal, compliance, and risk.
• Influence System Architecture — Collaborate with engineering on architectural decisions affecting account management and data integrity.
• Champion API Excellence — Ensure APIs are reliable, scalable, and easy to integrate.
• Own the Product Roadmap — Align feature prioritization with business goals and client roadmaps.
• Champion the Customer — Engage with customers and stakeholders to surface needs and validate solutions.
• Make Data-Informed Decisions — Use analytics to identify gaps and prioritize improvements.

Skills

Credit product management

Backend APIs

Regulatory knowledge

Communication skills

Cross-functional collaboration

Tools

APIs

Backend systems

Job description

As a Senior Product Manager on Marqeta's Credit team, you will own the end-to-end evolution of our credit platform—shaping the core services that power how clients launch and manage credit products at scale. You will partner closely with engineering, GTM, design, legal, and compliance to bring technically rigorous, market-ready features to life. At this level, you are a domain authority who drives platform strategy with precision, translates complex regulatory and architectural realities into clear product decisions, and earns trust from engineers and executives alike. We work Flexible First. This role can be performed remotely only in one of our Premium or National locations, which you can review here.

Responsibilities

• Shape the Credit Platform Roadmap — Define and drive 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.
• Influence System Architecture — Collaborate directly with engineering on architectural decisions that affect account management, transaction processing, and data integrity, bringing product perspective to design trade-offs.
• Champion API Excellence — Ensure credit account APIs are designed for reliability, scalability, and seamless integration, enabling external customers to build confidently on the Marqeta platform.
• Own the Product Roadmap — Align feature prioritization across the credit domain with broader business goals and client roadmaps, making and defending trade-off decisions with clarity.
• 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.

Qualifications

• 5+ years of product management experience focused on credit cards or lending, with a track record of owning complex platforms or backend product areas end-to-end.
• ~5+ years of hands‑on experience working with backend systems and APIs—able to engage fluently with engineering on system architecture, data models, and distributed services.
• Exceptional communication skills—able to distill complex technical and regulatory topics into clear, actionable narratives for audiences ranging from backend engineers to external enterprise clients.
• Working knowledge of regulatory and compliance considerations relevant to credit products, with comfort navigating legal and risk reviews as a core part of product delivery.
• Familiarity with payment network rules, card scheme regulations, or broader payment technology best practices as they relate to credit product design and platform architecture.

Benefits

• 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
• 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

The new‑hire base salary range for this full‑time position in USD is:

Culture and Values

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.

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.

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.

We may use artificial intelligence (AI) tools in our recruitment processing consistent with the requirements of applicable laws.