FP&A Manager, GTM Finance - Credit Products

As Marqeta's FP&A Manager, GTM Finance — Credit Products, you will focus on Marqeta's credit business by partnering with Sales, Legal, Product, Credit Risk, and Capital Markets to model pricing, evaluate profitability, and structure deals that win business while protecting unit economics. You'll flex in on debit and prepaid as needed, but credit is where you'll spend the majority of your time. Credit deals come with different revenue mechanics, cost structures, and stakeholders — modeling them well means understanding life-of-loan economics, vintage performance, capital efficiency, and revenue share splits across multiple parties. A meaningful part of this role is partnering with Marqeta's credit function to build financial models that help secure new bank partnerships and capital providers, crafting the projections, scenario analyses, and economic narratives that go in front of prospective partners. You'll be joining a tight-knit deal desk team that shares context, shares wins, and shares the load. We work Flexible First — this role can be performed remotely anywhere within the U.S. or from our local Oakland office.

• 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 ensure every deal model reflects realistic loss assumptions, funding costs, and capital efficiency considerations.
• Partner with the credit function to build foundational models for credit product including monthly projections of volumes, receivables, payment rates, and loss curves with clearly defined assumptions, including scenario analyses that support acquiring new bank partnerships and capital providers.
• 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.
• Build and continuously sharpen the credit-specific deal desk toolkit — pricing benchmarks, loss-curve templates, capital-cost calculators, vintage performance models, and dashboards.
• Help Sales speak credibly about credit economics with prospects.
• Stay close to credit product evolution, regulatory developments (Reg Z, CFPB, state usury), and competitive dynamics.
• Collaborate closely with the rest of the deal desk team across debit, prepaid, and other product lines.
• Experiment with AI to make credit deal modeling faster and better — automating portfolio projection models, accelerating scenario analysis, or building internal tools.

• Bachelor's degree in a quantitative field — Finance, Accounting, Economics, Engineering, Math, or any discipline that built 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: interchange, finance charges, rewards funding, loss provisioning, and cost of funds. Vintage curves, charge-off rates, and revolve behavior aren't foreign concepts.
• Exceptional partner and team player — builds trust quickly with Sales, pushes back without friction, jumps in when teammates are slammed, and treats wins as collective.
• Genuinely strong financial mind — fluent in modeling, comfortable with ambiguity, and credible partner to credit risk and capital markets teams.
• Thrives under pressure — energized by fast pace, multiple priorities, and delivers accurate work even when the clock is loud.
• AI-curious and hungry to experiment — already uses AI tools in day-to-day work and sees AI as leverage.
• Excellent written and verbal communicator — can turn a messy credit deal structure into a one-slide answer for an executive.
• Proactive, with a bias toward improving processes.
• 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.
• 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).