Note: The job is a remote job and is open to candidates in USA. Marqeta is a leading financial technology company focused on modern card issuing and payment solutions. They are seeking an FP&A Manager for GTM Finance in Credit Products to partner with various teams in modeling pricing, evaluating profitability, and structuring credit deals while ensuring sound unit economics.
Responsibilities
- Serve as the financial partner to Sales on live credit deals — modeling the full economic stack: interchange, finance charges, fees, rewards costs, cost of funds, expected losses, network fees, and sponsor bank revenue share
- Build deal-level models that capture the full life-of-portfolio economics — not just first-year interchange, but how the deal performs as the portfolio matures, revolve rates stabilize, and losses curve in
- Partner with Credit Risk and Capital Markets teams to make sure every deal model reflects realistic loss assumptions, funding costs, and capital efficiency considerations
- Partner with the credit function to build the foundational models for credit product including monthly projections of volumes, receivables, payment rates and loss curves with clearly defined assumptions for each metric and tied to actual industry and internal data, including scenario analyses that support acquiring both new bank partnerships (sponsor banks) and capital providers (warehouse facilities, return-on-capital projections, portfolio performance scenarios)
- Model multi-party revenue share structures across program manager, sponsor bank, processor, and network — and stress-test how the splits behave at different volume and performance tiers
- Lead deal review meetings on credit deals with sales leadership, translating complex credit economics into clear, actionable recommendations that help close business without compromising margin
- Build and continuously sharpen the credit-specific deal desk toolkit — pricing benchmarks, loss-curve templates, capital-cost calculators, vintage performance models, and the dashboards that bring them together
- Help Sales speak credibly about credit economics with prospects — from sophisticated fintech buyers building their second card program, to commercial customers thinking about a credit product for the first time
- Stay close to credit product evolution, regulatory developments (Reg Z, CFPB, state usury), and competitive dynamics in the credit issuing space — and bring that intelligence into every deal
- Collaborate closely with the rest of the deal desk team across debit, prepaid, and other product lines — flexing in on those deals when the team needs the bandwidth, sharing knowledge, covering each other on big deals, and raising the bar together
- Experiment with AI to make credit deal modeling faster and better — whether that's automating portfolio projection models, accelerating scenario analysis, or building internal tools that scale your judgment across more deals
Skills
- 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
- 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
- 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
- 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
- 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
- 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
- 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)
Benefits
- 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 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
Company Overview
Marqeta is a card issuing platform that provides infrastructure and tools to help companies build and manage payment programs. It was founded in 2010, and is headquartered in Oakland, California, USA, with a workforce of 501-1000 employees. Its website is https://www.marqeta.com.