FP&A Manager, GTM Finance

About the role

This role is central to Marqeta's credit product growth, focusing on financial modeling and deal structuring. You will partner with various departments to ensure profitable and strategic deal outcomes. The position requires a strong understanding of credit economics and a proactive approach to financial analysis.

Key facts

What you'll do

• Provide financial partnership for live credit deals, modeling all economic components including interchange, finance charges, funding costs, and revenue shares.
• Develop comprehensive portfolio-level financial models that project deal performance over the entire lifecycle.
• Collaborate with Credit Risk and Capital Markets teams to integrate realistic loss assumptions and funding cost considerations into deal analyses.
• Create foundational financial models for credit products, including volume, receivables, and loss curve projections with clear data-driven assumptions.
• Model and analyze multi-party revenue share arrangements, assessing their behavior under various performance scenarios.
• Lead deal review meetings, translating complex credit economics into clear recommendations for sales leadership.
• Enhance the credit deal desk toolkit with benchmarks, templates, and calculators for pricing and performance analysis.
• Support sales in articulating credit economics to prospective clients.
• Monitor credit product developments, regulatory changes, and market dynamics, incorporating this intelligence into financial assessments.
• Work with the broader deal desk team on debit and prepaid products as needed, sharing knowledge and supporting team objectives.
• Explore and implement AI tools to improve the speed and effectiveness of credit deal modeling.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, Engineering, Math, or a related quantitative field.
• 6 to 8 years of experience in financial planning and analysis, deal desk, pricing, credit product finance, or a similar go-to-market finance function, with significant exposure to credit card or lending economics.
• Demonstrated understanding of credit economics, including interchange, finance charges, rewards, loss provisioning, and cost of funds. Familiarity with concepts like vintage curves, charge-off rates, and revolve behavior is essential.
• Proven ability to build strong relationships, collaborate effectively, and provide constructive pushback when necessary.
• Strong financial modeling skills, comfort with numerical ambiguity, and credibility in discussions with credit risk and capital markets professionals.
• Ability to perform effectively in a fast-paced environment with multiple competing priorities.
• Experience using AI tools in daily work and an interest in experimenting with AI for financial applications.
• Excellent written and verbal communication skills, with the ability to simplify complex financial information.
• Proactive approach to process improvement.
• Proficiency in Excel and familiarity with Google Workspace.

Nice to have

• Prior experience pricing or modeling credit card programs, preferably from an issuer perspective.
• Background in a credit card issuer, fintech with a credit product, BIN sponsor bank, or program manager.
• Understanding of BIN sponsorship economics and direct bank partnership structures.
• Experience building financial models for pitching sponsor banks or capital providers, including portfolio projections and return-on-capital analyses.
• Working knowledge of credit risk modeling concepts such as expected loss and vintage analysis.
• Familiarity with capital markets concepts related to credit card receivables, including warehouse facilities and cost of funds.
• Knowledge of credit card regulatory frameworks like Reg Z and CFPB requirements.
• SQL or data analytics experience, particularly with Snowflake.
• Practical experience building AI-driven workflows or tools for finance use cases.

Skills & tools

• Advanced Excel
• Google Workspace
• AI tools for finance

Practical notes

Compensation for this role is structured into three tiers based on location: National ($128,000 - $160,000 base salary), Premium ($137,900 - $172,400 base salary), and Premium Plus ($147,800 - $184,700 base salary). Annual bonuses are awarded based on individual and company performance. Benefits include health insurance options, flexible time off, retirement savings programs with company contributions, equity, employee stock purchase program, family-forming benefits, parental leave, mental health and financial coaching, a remote work stipend, and professional development funds. The application process includes an application submission, recruiter call, hiring manager call, and a virtual onsite interview.