FP&A Manager, GTM Finance

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MarqetaFintech payments

This role can be performed remotely anywhere within the U.S. or from our local Oakland office.Full-TimeManager

SalaryNational: $128,000 - $160,000; Premium: $137,900 - $172,400; Premium Plus: $147,800 - $184,700

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Job Details

Experience: 6-8 years of experience in financial planning and analysis, deal desk, pricing, credit product finance, or a related GTM finance function
Required Skills: SQLGoogle Workspace

Bachelor's degree in a quantitative field such as Finance, Accounting, Economics, Engineering, or Math.
6-8 years of experience in FP&A, deal desk, pricing, credit product finance, or a related GTM finance function.
Meaningful exposure to credit card or lending economics.
Understand how interchange, finance charges, rewards funding, loss provisioning, and cost of funds contribute to deal-level economics.
Be familiar with vintage curves, charge-off rates, and revolve behavior.
Strong financial modeling skills and comfort working with ambiguity in financial data.
Knowledge of credit risk modeling and capital markets concepts sufficient to partner with those teams.
Advanced Excel skills and comfort with Google Workspace.
Excellent written and verbal communication skills, including the ability to explain complex deal structures clearly.
Nice to have: direct experience pricing or modeling credit card programs, preferably on the issuer side.
Nice to have: SQL or data analytics experience, especially Snowflake, and experience building AI workflows or tools.

Partner with Sales on live credit deals and model interchange, finance charges, fees, rewards costs, cost of funds, expected losses, network fees, and sponsor bank revenue share.
Build deal-level models that capture life-of-portfolio economics, including portfolio maturity, revolve rates, and loss curves.
Partner with Credit Risk and Capital Markets to reflect realistic loss assumptions, funding costs, and capital efficiency in deal models.
Build credit product projections for volumes, receivables, payment rates, and loss curves, with assumptions tied to industry and internal data.
Create scenario analyses and return-on-capital projections to support new bank partnerships and capital providers.
Model multi-party revenue share structures and stress-test splits across volume and performance tiers.
Lead credit deal review meetings and translate complex economics into actionable recommendations for Sales leadership.
Build and improve credit deal desk tools, including pricing benchmarks, loss-curve templates, capital-cost calculators, vintage performance models, and dashboards.
Monitor credit product developments, regulatory developments, and competitive dynamics and apply relevant insights to deals.

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