Product Manager, Square Credit Card

Since we opened our doors in 2009, the world of commerce has evolved immensely, and so has Square. After enabling anyone to take payments and never miss a sale, we saw sellers stymied by disparate, outmoded products and tools that wouldn't work together.
So we expanded into software and started building integrated, omnichannel solutions - to help sellers sell online, manage inventory, offer buy now, pay later functionality, book appointments, engage loyal buyers, and hire and pay staff. Across it all, we've embedded financial services tools at the point of sale, so merchants can access a business loan and manage their cash flow in one place. Afterpay furthers our goal to provide omnichannel tools that unlock meaningful value and growth, enabling sellers to capture the next generation shopper, increase order sizes, and compete at a larger scale.
Today, we are a partner to sellers of all sizes - large, enterprise-scale businesses with complex operations, sellers just starting, as well as merchants who began selling with Square and have grown larger over time. As our sellers grow, so do our solutions. There is a massive opportunity in front of us. We're building a significant, meaningful, and lasting business, and we are helping sellers worldwide do the same.
The Role
We're building a premium business credit card designed exclusively for Square businesses owners. We are designing the system sellers rely on to manage spend, control cash flow, and run their business day-to-day.
As Product Manager, you will own the core of this credit card product: the intersection of expense management, cardholder value, and card economics.
You'll define how businesses track and control spending, how they earn and redeem rewards, and how the financial mechanics of the card (interchange, float, pricing, and incentives) work together to create a durable, market-leading product.
This role sits at the center of experience, systems, and economics. You'll operate like a founder: setting vision, shaping the financial model, and leading a cross-functional team to deliver a premium card that our sellers love and that scales profitably.
If you're excited about reinventing what a business credit card can be - and owning both the customer experience and the P&L behind it - this is the role.
You Will

• Own the expense and spend management product area for Square Credit Card. Set the multi-year vision and roadmap for the card's spend, rewards, and economic systems with ambitions to build a category defining credit card for small business owners
• Set key objectives for your product area (expense management adoption, integration usage, categorization accuracy, customer satisfaction, etc.)
• Define the product strategy and roadmap for expense and spend management features, including: automated expense categorization, receipt capture and matching, spend controls and limits, vendor management, accounting software integrations (QuickBooks, Xero, etc.), reporting and analytics, and intelligent spending insights
• Ship innovative features that unlock expense management use cases - think real-time categorization, OCR receipt scanning, automated GL coding, budget alerts, multi-user spend controls, and AI-powered spending recommendations
• Collaborate closely with other Credit Card PMs (underwriting, rewards, card management) to ensure seamless product experiences and shared infrastructure. Partner with Square Banking, Invoices, and Payroll teams to build integrated financial workflows
• Deeply understand product performance by analyzing adoption funnels, feature usage, integration health, and customer feedback. Self-serve insights from data to drive rapid iteration
• Understand and optimize the unit economics of your features, including development costs, third-party integration costs, and the value they drive in customer retention and spend volume
• Partner with engineering, design, data science, risk, compliance, legal, and third-party integration partners to build and scale your product area
• Talk to customers regularly to understand their expense management workflows, pain points, and needs-ensuring we build features that truly solve small business problems
• Operate with end-to-end ownership - from concept through launch through ongoing performance

You Have

• At least 8+ years of experience in product management, preferably in Credit Card, fintech or payments industries
• Curiosity, empathy and an irresistible urge to go talk to Square's customers to hear firsthand what they need from us
• Impeccable product intuition combined with high numeracy and a bias to data-driven action so you can quickly make product and prioritization decisions to improve your business
• A demonstrable track record building strategies and executing on a roadmap to grow product adoption and usage
• Standout cross-functional collaboration, especially with design and engineering. You build and maintain trust, generate excitement and buy-in for your strategies, and deliver on your promises
• You can inspire people through your clear written and verbal communication
• An understanding of payments rails, card networks, risk, and fraud is a bonus

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 an equal opportunity employer evaluating all employees and job applicants without regard to identity or any legally protected class. We also consider qualified applicants with criminal histories for employment on our team, and always assess candidates on an individualized basis.
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.
Block will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and "fair chance" ordinances.
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.
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.
Zone A:
$198,000 - $297,000 USD
Zone B:
$188,100 - $282,100 USD
Zone C:
$178,200 - $267,400 USD
Zone D:
$168,300 - $252,500 USD
Application Guidelines
Candidates may submit up to 9 active applications within a 60-day period. Reapplications to the same role are accepted 90 days after a previous application has been reviewed.
Use of AI in Our Hiring Process
We may use automated AI tools to evaluate job applications for efficiency and consistency. These tools comply with local regulations, including bias audits, and we handle all personal data in accordance with state and local privacy laws.
Contact us here with hiring practice or data usage questions.
Every benefit we offer is designed with one goal: empowering you to do the best work of your career while building the life you want. Remote work, medical insurance, flexible time off, retirement savings plans, and modern family planning are just some of our offering. Check out our other benefits at Block.
Block, Inc. (NYSE: XYZ) builds technology to increase access to the global economy. Each of our brands unlocks different aspects of the economy for more people. Square makes commerce and financial services accessible to sellers. Cash App is the easy way to spend, send, and store money. Afterpay is transforming the way customers manage their spending over time. TIDAL is a music platform that empowers artists to thrive as entrepreneurs. Bitkey is a simple self-custody wallet built for bitcoin. Proto is a suite of bitcoin mining products and services. Together, we're helping build a financial system that is open to everyone.