Marqeta is a company focused on credit products, and they are seeking an FP&A Manager for their GTM Finance team. The role involves partnering with various teams to model pricing, evaluate profitability, and structure credit deals, ensuring that financial models support new bank partnerships and capital providers.

Responsibilities:

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 make sure every deal model reflects realistic loss assumptions, funding costs, and capital efficiency considerations
Partner 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)
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 that help close business without compromising margin
Build 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
Help 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
Stay 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
Collaborate 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
Experiment 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

Requirements:

Bachelor's degree in a quantitative field — Finance, Accounting, Economics, Engineering, Math, or any discipline that built your 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. 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
An 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
A 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
Thrive 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
AI-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
Excellent 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
Proactive, with a bias toward improving processes rather than tolerating them
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 — including portfolio projections, return-on-capital analyses, and scenario modeling
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)

Techno-Functional BSA Finance

About this role