Marqeta09.06.2026
FP&A Manager, GTM Finance - Credit Products
Зарплата не указана
Remote
Обязанности
- 01Serve 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
- 02Build 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
- 03Partner with Credit Risk and Capital Markets teams to make sure every deal model reflects realistic loss assumptions, funding costs, and capital efficiency considerations
- 04Partner 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)
- 05Model 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
- 06Lead deal review meetings on credit deals with sales leadership, translating complex credit economics into clear, actionable recommendations that help close business without compromising margin
- 07Build 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
- 08Help 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
- 09Stay 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
- 10Collaborate 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
- 11Experiment 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
Требования
- 01Bachelor's degree in a quantitative field — Finance, Accounting, Economics, Engineering, Math, or any discipline that built your numerical fluency
- 026-8 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
- 03Comfortable 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
- 04An 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
- 05A 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
- 06Thrive 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
- 07AI-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
- 08Excellent 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
- 09Proactive, with a bias toward improving processes rather than tolerating them
- 10Advanced Excel; comfortable across Google Workspace
Условия
- 01We work Flexible First
- 02This role can be performed remotely anywhere within the U.S. or from our local Oakland office