Marqeta - FP&A Manager, GTM Finance - Credit Products
Requirements
• Bachelor's degree in a quantitative field — Finance, Accounting, Economics, Engineering, Math, or any discipline that built your numerical fluency • 6-8 years of experience in financial planning and analysis, deal desk, pricing, credit product finance, or a related GTM finance function — with meaningful exposure to credit card or lending economics • Comfortable across the credit economics stack. You understand how interchange, finance charges, rewards funding, loss provisioning, and cost of funds combine into deal-level economics. Vintage curves, charge-off rates, and revolve behavior aren't foreign concepts • Comfortable across the credit economics stack. • An exceptional partner and team player. You build trust quickly with Sales, push back without friction, jump in when teammates are slammed, and treat wins as collective rather than individual. You're the person other teams want in the room when a credit deal gets complicated • An exceptional partner and team player. • A genuinely strong financial mind. You're fluent in modeling, comfortable with ambiguity in the numbers, and you know enough about credit risk modeling and capital markets concepts to be a credible partner to those teams • A genuinely strong financial mind. • Thrive under pressure. Credit deals don't wait, and they don't simplify. You're energized by a fast pace, multiple priorities, and the occasional fire drill — and you deliver accurate work even when the clock is loud • Thrive under pressure. • AI-curious and hungry to experiment. You already use AI tools in your day-to-day work, you have opinions about what's overhyped and what's actually useful, and you see AI as leverage to do more — not a threat or a checkbox • AI-curious and hungry to experiment. • Excellent written and verbal communicator — you can take a messy credit deal structure with five moving parts and turn it into a one-slide answer for an executive • Proactive, with a bias toward improving processes rather than tolerating them • Advanced Excel; comfortable across Google Workspace • Nice-To-Haves • Direct experience pricing or modeling credit card programs — issuer side strongly preferred • Background at a credit card issuer, fintech with a credit product, BIN sponsor bank, or program manager • Familiarity with BIN sponsorship economics and direct bank partnership structures • Experience building financial models used to pitch sponsor banks, capital providers, or warehouse lenders — including portfolio projections, return-on-capital analyses, and scenario modeling • Working knowledge of credit risk modeling concepts: expected loss, vintage analysis, behavioral scoring • Working knowledge of capital markets concepts relevant to credit card receivables: warehouse facilities, securitization, cost of funds • Familiarity with credit card regulatory framework (Reg Z, CFPB requirements, state usury considerations) • SQL / data analytics experience, especially Snowflake • Hands-on experience building workflows or tools with AI (custom GPTs, agents, automations, prompt engineering for finance use cases) • Typical Process • Typical Process • Application Submission • Recruiter video call • Hiring manager video call • Virtual “Onsite” consisting of 4-5, 45 min calls
Benefits
• Marqeta is a Flex First company which allows you to choose your best working environment, whether that be from home or at a company office. To support Flex First, we calibrate 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. • National: • 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: • Premium Plus: A tier for the most expensive working areas, like the San Francisco Bay area and New York City. • Premium Plus: • 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 position is: • National: $128,000 - $160,000 • Premium: $137,900 - $172,400 • Premium Plus: $147,800 - $184,700 • 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 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 up to 20 weeks of Parental Leave • 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 • Through Flex First, the freedom to live and work wherever you and your family thrive • 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 • 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. • – Solve for the Customer: • – 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. • – Do What's Right: • – Simplify and Innovate: We approach challenges with curiosity and take smart risks. Innovation comes from finding better, simpler ways to achieve extraordinary outcomes. • – Simplify and Innovate: • – 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. • – Win 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. • – Make it Count: • Equal Employment Opportunity, Accommodations and Privacy
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