Senior Product Manager - Credit

Marqeta, Inc.; Sacramento (CA); Hybrid; USD 121,000 - 163,000; Full time

Benefits offered by this job

Health insurance

Flexible time off

Equity in a publicly-traded company

Employee Stock Purchase Program

Remote work stipend

Development dollars

Annual bonuses

Job summary

Marqeta is seeking a Senior Product Manager to shape the credit platform roadmap, owning multi-quarter strategy and aligning with client needs and regulatory requirements.

You will drive API- and data-model requirements, collaborate with engineering on architecture, and ensure scalable, reliable APIs for external customers. This role emphasizes customer impact, analytics-driven prioritization, and cross-functional leadership.

Qualifications

• 5+ years of product management experience focused on credit cards or lending
• 5+ years of hands-on experience working with backend systems and APIs
• Deep technical acumen across APIs, distributed systems, and modern production environments
• Exceptional communication skills
• Demonstrated ability to influence and collaborate at all levels of the organization
• Working knowledge of regulatory and compliance considerations relevant to credit products

Responsibilities

• Define and drive the multi-quarter strategy for credit platform core services
• Author detailed product requirements and technical documentation for APIs and data models
• Lead coordination across engineering, GTM, operations, legal, compliance, and risk to move new credit products to market
• Collaborate with engineering on architectural decisions affecting account management and data integrity
• Ensure credit account APIs are reliable and scalable for external customers
• Align feature prioritization with business goals and client roadmaps
• Engage with external customers and internal stakeholders to surface needs and validate solutions
• Use analytics to identify gaps and measure feature impact on the credit roadmap

Skills

Product management

Backend APIs

API design

Distributed systems

Regulatory knowledge

Communication

Cross-functional collaboration

Job description

The Impact You'll Have:

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.

Who You Are

• 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.
• Deep technical acumen across APIs, distributed systems, and modern production environments, with the ability to evaluate architectural trade-offs and contribute meaningfully to technical discussions.
• 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.
• Demonstrated ability to influence and collaborate at all levels of the organization.
• 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.

Nice To Haves

• Familiarity with payment network rules, card scheme regulations, or broader payment technology best practices as they relate to credit product design and platform architecture.

Your Manager

Lauren Sigman

Compensation and Benefits

Marqeta calibrates pay to a competitive value according to working location. Compensation for this role is aligned according to the two tiers below 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.

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 in USD is:

National : 120,600 - 150,700

Premium : 130,500 - 163,100

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.

• 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.