This job has expired
This position was posted on October 24, 2025 and is likely no longer accepting applications. We've kept it here for historical reference. Check out the similar jobs below!
Job Overview
Location
Remote
Job Type
Full-time
Category
Software Engineering
Date Posted
October 24, 2025
Full Job Description
đź“‹ Description
- • Own the end-to-end product strategy for Marqeta’s credit ledger, the authoritative system-of-record that tracks every dollar of outstanding balance, payment, interest, and fee across millions of consumer and commercial credit accounts.
- • Translate high-level company OKRs into a living 12-18-month roadmap that balances regulatory deadlines, customer commitments, and platform scalability; socialize the roadmap quarterly with executives, engineers, and external issuers.
- • Act as the single point of accountability for credit account lifecycle events—from account opening through statement generation, payment application, delinquency, and closure—ensuring data accuracy, auditability, and sub-second latency at scale.
- • Partner with engineering leaders to design and evolve a distributed ledger architecture that can handle 10× transaction growth without compromising consistency, while remaining extensible for future products like revolving lines of credit, installment loans, or embedded BNPL.
- • Lead cross-functional “tiger teams” that include risk, compliance, legal, finance, and customer success to launch new credit constructs (e.g., variable APR tiers, promotional balances, or real-time payment allocation rules) within aggressive market windows.
- • Write crisp PRDs, API specs, and data-model documentation that empower 30+ engineers across three time zones to build, test, and ship features autonomously while maintaining a 99.99 % uptime SLA.
- • Champion a customer-centric mindset by running discovery interviews with fintechs, neobanks, and large enterprises; synthesize findings into user journeys and prioritize features that reduce integration time from months to weeks.
- • Define success metrics—ledger accuracy, API adoption, time-to-first-statement, charge-off rates—and instrument dashboards that give both Marqeta and its customers real-time visibility into portfolio health.
- • Collaborate with the broader Credit Platform PMs to ensure seamless interoperability between the ledger, pricing engine, repayment processor, and card-management systems, eliminating reconciliation breaks and manual workarounds.
- • Influence Marqeta’s long-term credit vision by evaluating emerging technologies (blockchain-based audit trails, machine-learning-driven payment predictions) and presenting business cases to the CTO and CPO.
- • Mentor junior PMs and analysts on complex topics like amortization schedules, Reg Z disclosures, and double-entry accounting, raising the overall product IQ of the organization.
- • Represent Marqeta at industry conferences and customer advisory boards, evangelizing our credit capabilities and gathering feedback that feeds directly into the next roadmap cycle.
- • Ensure every release meets rigorous compliance standards (PCI-DSS, SOC 2, GDPR, CFPB) by embedding privacy-by-design and automated testing into the SDLC.
- • Balance technical debt and new feature work—refactor legacy interest-calculation modules while simultaneously launching next-day payment posting to delight customers and reduce support tickets.
🎯 Requirements
- • 5+ years of product management experience with at least 2 years focused on consumer or small-business credit, lending, or related financial products.
- • Deep fluency in credit ledger mechanics—principal, interest, fees, payment allocation, statement generation, delinquency, and charge-offs.
- • Proven track record of shipping complex, regulated financial software in an agile environment with multiple scrum teams and external stakeholders.
- • Strong technical acumen: ability to read API specs, discuss distributed systems trade-offs, and write detailed user stories that engineers love.
- • Excellent stakeholder management skills; comfortable presenting to C-suite executives and negotiating priorities across risk, legal, and engineering.
- • Nice-to-have: experience with card issuing, payment processing, or fintech infrastructure platforms; familiarity with SQL or data modeling.
🏖️ Benefits
- • Flexible First workplace—work remotely from anywhere in the Greater Toronto or Vancouver Metro areas with quarterly in-person collaboration weeks.
- • Competitive salary plus equity in a pre-IPO fintech leader positioned at the forefront of embedded finance and modern card issuing.
- • Comprehensive health, dental, vision, and mental-wellness coverage for you and your dependents from day one.
- • Annual professional-development stipend ($3,000 USD equivalent) for courses, conferences, or certifications to deepen your credit and product expertise.
Skills & Technologies
Product Management
Senior
Remote
About Marqeta, Inc.
Marqeta provides an open-API card issuing and payment processing platform that enables businesses to create, deploy, and manage virtual, physical, and tokenized payment cards. Its cloud-native infrastructure offers real-time authorization, just-in-time funding, spend controls, and data insights, supporting use cases such as on-demand delivery, expense management, and consumer fintech products. Clients embed financial services without legacy banking integrations, accelerating time to market while maintaining compliance and security standards.
Similar Opportunities
Los Angeles, Philippines
Full-time
Expires May 4, 2026
GitHub
Design
Remote
5 days ago