Principal Product Manager - Credit

About the role

As a Principal Product Manager for the Credit team at Marqeta, you will own the end-to-end strategy for our credit platform — defining the multi-quarter roadmap that scales core credit services to meet the evolving needs of our customers and partners. You are a recognized thought leader in credit and fintech, bringing forward-thinking ideas grounded in market dynamics, regulatory realities, and deep technical fluency. This is an individual contributor role where you will mentor others on the team and drive prioritization across a complex web of stakeholders, make clear-eyed risk/reward decisions, and set the standard for how great credit infrastructure products are built and delivered at scale. We work Flexible First. This role can be performed remotely.

Responsibilities

• Shape the Credit Platform Roadmap — Define, own and deliver 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.
• Shape architecture as a peer to engineering. Partner with engineering leaders on decisions affecting account management, transaction processing, and data integrity, and own the product consequences of those choices.
• 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.
• Represent credit externally. Be Marqeta's credit voice with enterprise clients, issuing banks, and networks. Bring market and regulatory signal into the roadmap before it turns into a client escalation.
• Lead across teams without direct reports. Align engineering, GTM, operations, legal, compliance, and risk across multiple teams. You own the outcome even when you don't manage the people.

Qualifications

• 10+ years of product management experience in fintech or payments, with demonstrated experience working with networks and banks in a leadership capacity.
• Proven track record of shipping technically complex credit products and/or platforms at scale within multi-stakeholder, regulated ecosystems.
• Domain thought leader with the ability to identify market opportunities in credit, translate them into actionable strategy, and bring stakeholders along.
• Strong executive presence with experience influencing senior leadership, external customers, and cross-functional partners including legal, compliance, and risk.
• Deep technical acumen and genuine curiosity — comfortable engaging with APIs, data models, system architecture, AI/ML applications, and emerging technologies as a credible product voice.
• Bias for action in ambiguous situations — able to move teams forward through internal and external roadblocks with clarity and accountability.
• Prior experience building or scaling credit-as-a-service or embedded credit products for enterprise clients or card program managers.

Your Manager: Lauren. Recruiter for this role: Prashant S.

Pay

Marqeta calibrates pay to a competitive value according to working location. Compensation is aligned according to three tiers within the United States:

• National: $198,100 – $247,600
• Premium: $214,400 – $268,000 (e.g., Los Angeles CA, Seattle WA)
• Premium Plus: $233,000 – $291,300 (e.g., San Francisco Bay area, New York City)

When determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. Annual bonuses are awarded to eligible employees, rewarding both individual performance and the success of the entire company.

Benefits

• 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