Product Manager, Upmarket Credit

We are working to make financing easier and fair for all businesses with a strategic focus on upmarket sellers. As a key product leader on Square Banking, your work will augment our core credit offering, Square Loans, to serve the unmet needs unique to upmarket sellers to improve how we help them grow their business and manage their cash flow.

Since beginning operations, Square Loans has facilitated more than $9 billion in small business loans and Paycheck Protection Program loans to more than 460,000 Square sellers, with an average loan size of $6,750. These numbers highlight Square’s ability to reach and serve small businesses that have been traditionally underserved by existing lending options. 

As the PM responsible for upmarket credit, you will report to the Head of Lending Product and define and launch credit solutions uniquely designed to meet the needs of upmarket sellers. You will drive initiatives from inception through execution to drive upmarket credit adoption and growth. You will collaborate closely with engineers, data scientists, operations, designers, capital markets, and other cross-functional team members to ensure that our cash flow products amaze and delight our upmarket sellers. 

You will:

• Own the launch, adoption and growth of upmarket credit and represent upmarket credit in multi credit product efforts

• Partner closely with Product Marketing and Design to understand the financing needs of upmarket sellers, and take an experimentation mindset in reflecting that in the seller experience until their credit offering has been financed

• Closely collaborate with underwriting data science and finance teams to understand the financial elements (pricing, investor sales, overall revenue) of upmarket to inform product decisions

• Deeply understand the jobs-to-be-done of upmarket sellers through qualitative and quantitative research, and champion their needs within Credit, Banking, and Block

• Drive the upmarket credit product roadmap and execute the delivery timelines for the work required to provide remarkable experiences to upmarket sellers and grow our upmarket penetration

• Influence key stakeholders throughout Block in order to align intent, resources, and prioritization

• Operate cross-functionally and build strong partnerships both within Block and with external vendors to deliver excellent products and services

• Foster an environment that enables the team to execute quickly while maintaining a high standard for quality

• Manage the entire product life cycle from ideation, to planning, execution and launch

You Have:

• 5+ years of experience in product management 

• Analytical skills: You have a data-driven learning style and use quantitative information to make product decisions

• Experimental mindset: You like to test and learn in a way that incorporates both customer needs and data

• Results: Experience shipping simple, elegant user-facing products with measurable impact to the bottom line

• Collaborative approach: Delivers results with cross-functional teams, and partners with and empowers team members 

• Customer-centric: Strong customer empathy and experience shaping product direction and execution based on customer needs

• Strategic: Experience developing and driving key strategies that shaped an organization

• Efficiency: Excellent organization and prioritization skills

• Credit domain expertise: with small business financing or other financial products

• Excitement: You’re passionate about Square’s mission and new technology

Block takes a market-based approach to pay, and pay may vary depending on your location. U.S. locations are categorized into one of four zones based on a cost of labor index for that geographic area. The successful candidate’s starting pay will be determined based on job-related skills, experience, qualifications, work location, and market conditions. These ranges may be modified in the future.

Zone A: USD $167,300 - USD $204,500
Zone B: USD $158,900 - USD $194,300
Zone C: USD $150,600 - USD $184,000
Zone D: USD $142,200 - USD $173,800

To find a location’s zone designation, please refer to this resource. If a location of interest is not listed, please speak with a recruiter for additional information. 

Benefits include the following:

• Healthcare coverage
• Retirement Plans including company match 
• Employee Stock Purchase Program
• Wellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowance 
• Paid parental and caregiving leave
• Paid time off
• Learning and Development resources
• Paid Life insurance, AD&D. and disability benefits 
• Perks such as WFH reimbursements and free access to caregiving, legal, and discounted resources 

This role is also eligible to participate in Block's equity plan subject to the terms of the applicable plans and policies, and may be eligible for a sign-on bonus. Sales roles may be eligible to participate in a commission plan subject to the terms of the applicable plans and policies. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.

We’re working to build a more inclusive economy where our customers have equal access to opportunity, and we strive to live by these same values in building our workplace. Block is a proud equal opportunity employer. We work hard to evaluate all employees and job applicants consistently, without regard to race, color, religion, gender, national origin, age, disability, veteran status, pregnancy, gender expression or identity, sexual orientation, citizenship, or any other legally protected class. 

We believe in being fair, and are committed to an inclusive interview experience, including providing reasonable accommodations to disabled applicants throughout the recruitment process. We encourage applicants to share any needed accommodations with their recruiter, who will treat these requests as confidentially as possible. Want to learn more about what we’re doing to build a workplace that is fair and square? Check out our I+D page.

Additionally, we consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.

Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, TIDAL, and TBD, we build tools to help more people access the economy. Square helps sellers run and grow their businesses with its integrated ecosystem of commerce solutions, business software, and banking services. With Cash App, anyone can easily send, spend, or invest their money in stocks or Bitcoin. Spiral (formerly Square Crypto) builds and funds free, open-source Bitcoin projects. Artists use TIDAL to help them succeed as entrepreneurs and connect more deeply with fans. TBD is building an open developer platform to make it easier to access Bitcoin and other blockchain technologies without having to go through an institution.