FP&A Manager, GTM Finance

Marqeta•Remote, CA

2d•$128,000 - $184,700•Remote

About The Position

Marqeta is hiring an FP&A Manager, GTM Finance to focus primarily on its credit business, 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. The role may also support debit and prepaid deals as needed. Credit deal analysis requires understanding life-of-loan economics, vintage performance, capital efficiency, and revenue-share structures across multiple parties. This role is part of a collaborative deal desk team and works directly with Sales on live deals. It also partners with Marqeta's credit function to build financial models, projections, scenario analyses, and economic narratives for prospective bank partners and capital providers. The position is Flexible First and may be performed remotely anywhere in the U.S. or from Marqeta's Oakland office.

Requirements

Bachelor's degree in a quantitative field such as Finance, Accounting, Economics, Engineering, or Math, or another discipline that developed numerical fluency.
6–8 years of experience in FP&A, deal desk, pricing, credit product finance, or a related GTM finance function, with meaningful exposure to credit card or lending economics.
Understanding of credit economics, including interchange, finance charges, rewards funding, loss provisioning, cost of funds, vintage curves, charge-off rates, and revolve behavior.
Strong financial modeling skills and comfort working with ambiguity in financial data.
Sufficient knowledge of credit risk modeling and capital markets concepts to partner credibly with those teams.
Strong collaboration and relationship-building skills, including the ability to partner with Sales, push back constructively, and support teammates.
Ability to thrive under pressure, manage multiple priorities, and deliver accurate work in a fast-paced environment.
Interest in and practical use of AI tools in day-to-day work, with an experimental approach to applying AI to work.
Excellent written and verbal communication skills, including the ability to explain complex deal structures clearly to executives.
Proactive approach and bias toward process improvement.
Advanced Excel skills and comfort with Google Workspace.

Nice To Haves

Direct experience pricing or modeling credit card programs, preferably on the issuer side.
Background at a credit card issuer, a fintech with a credit product, a BIN sponsor bank, or a 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, including expected loss, vintage analysis, and behavioral scoring.
Working knowledge of capital markets concepts relevant to credit card receivables, including warehouse facilities, securitization, and cost of funds.
Familiarity with the credit card regulatory framework, including Reg Z, CFPB requirements, and state usury considerations.
SQL or data analytics experience, especially Snowflake.
Hands-on experience building AI workflows or tools, such as custom GPTs, agents, automations, or prompt engineering for finance use cases.

Responsibilities

Serve as the financial partner to Sales on live credit deals, modeling interchange, finance charges, fees, rewards costs, cost of funds, expected losses, network fees, and sponsor bank revenue share.
Build deal-level models covering life-of-portfolio economics, including portfolio maturation, revolve rates, and loss curves.
Partner with Credit Risk and Capital Markets to ensure deal models reflect realistic loss assumptions, funding costs, and capital-efficiency considerations.
Build foundational credit product models with monthly projections for volumes, receivables, payment rates, and loss curves, using clearly defined assumptions tied to industry and internal data.
Develop scenario analyses and projections to support new sponsor bank partnerships and capital providers, including warehouse facilities, return-on-capital projections, and portfolio performance scenarios.
Model and stress-test multi-party revenue-share structures across program managers, sponsor banks, processors, and networks at different volume and performance tiers.
Lead credit deal review meetings with Sales leadership and translate complex economics into actionable recommendations that support deal closure without compromising margin.
Build and improve credit deal desk tools, including pricing benchmarks, loss-curve templates, capital-cost calculators, vintage performance models, and dashboards.
Help Sales communicate credit economics to prospective customers, including fintech and commercial customers.
Monitor credit product developments, regulatory developments such as Reg Z, CFPB requirements, and state usury considerations, as well as competitive dynamics, and incorporate relevant intelligence into deal work.
Collaborate with the wider deal desk team across debit, prepaid, and other product lines, providing support, sharing knowledge, and covering deals as needed.
Experiment with AI to improve credit deal modeling, scenario analysis, and internal tools.
Improve processes proactively and deliver accurate work in a fast-paced environment.

Benefits

Annual bonuses for eligible employees.
Multiple health insurance options.
Flexible time off.
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 and fertility support.
Up to 20 weeks of parental leave.
Free therapy sessions, financial and professional coaching, and legal advice.
Monthly stipend to support the remote work model.
Annual development dollars for employee growth and development.
Flexible First work-location flexibility, including the option to work remotely or from a company office.