Head of Product, Square Credit Cards

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 wouldnt work together.

Today Square is the largest online SMB lender in America. We didnt get here by playing it safe - we got here by rewriting the rules.

While traditional banks relied on outdated credit models that locked out millions of small businesses we built something different. We leveraged real-time payments data cash flow insights and deep business relationships to unlock capital for the businesses that power your neighborhood - the restaurants coffee shops food trucks salons and retailers operating on razor-thin margins and variable cash flow.

Now were bringing that same insurgent energy to credit cards.

Were not building another corporate card. Were building the credit card franchise purpose-built for real-world businesses designed around inventory cycles tip management supplier payments and seasonal swings. Business Credit Cards that understand a restaurants Friday night is different from a salons Tuesday morning. Credit Cards that work the way these businesses actually operate.

This is a once-in-a-career opportunity to define and lead a category-defining credit product from the ground up.

The Role

Were hiring a Head of Product Square Credit Cards to build the next generation of business credit that doesnt just serve small businesses but actually understands them.

This is not a manage the roadmap role. This is a build the future role.

Youll define the vision. Youll set the strategy. Youll build the team. And youll own the outcomes - from activation and spend to loss rates and contribution margin. This is a high impact high ownership high visibility leadership role for one of the most important product bets Square is making.

If youre a product leader who gets energized by hard problems loves the craft of building and wants to create something that fundamentally changes how small businesses access and use creditthis is your role.

You Will

Define the Product Vision

• Build a multi-year product vision for Squares credit card business rooted in the real needs of food & beverage and retail operators
• Design vertically-focused card experiences tailored to how restaurants manage tips how retailers handle inventory and how service businesses control expenses
• Create a roadmap that balances growth risk performance customer value and long-term profitability

Build AI-Native Financial Software

• Lead development of AI-powered capabilities like intelligent spend categorization proactive cash-flow insights personalized limit recommendations and automated reconciliation
• Create embedded workflows that let sellers manage inventory purchases supplier payments and expense controls directly within Square with no context switching no manual exports
• Ensure the card functions as part of an operating system not just a payment instrument

Deliver Software-Led Differentiation

• Build features that matter: spend controls role-based permissions rewards aligned to merchant categories real-time reporting seamless accounting integrations
• Reimagine rewards pricing and value propositions for businesses with high COGS and tight operating margins because a 2% travel perks card designed for tech companies doesnt meet the needs of a thin margined bagel cafe
• Drive measurable improvements in seller retention engagement and lifetime value

Own Outcomes and Economics

• Define and manage portfolio metrics: activation spend retention loss rates net revenue contribution margin
• Understand the full P&L: interchange funding costs credit performance capital implications
• Balance disciplined credit economics with ambitious product innovation because splashy credit products that lose money or cause businesses to go into debt spirals arent great products

Build and Lead the Credit Card Product Team

• Recruit mentor and develop a high-performing team of product managers
• Set a culture of clarity accountability customer obsession and technical depth
• Partner closely with Engineering Design Compliance Legal Finance Capital Markets and Go-To-Market teams to execute at scale

You Have

• 12 years of product management experience including building and leading high performing teams in financial services credit cards fintech or payments.
• A track record of delivering high impact credit products that shape company strategy unlock new growth and drive measurable outcomes
• Experience leading complex products at scale across multiple customer segments and platforms while adapting to different risk profiles regulatory environments and user needs.
• Strength in developing and scaling product management teams mentoring and fostering a culture of excellence and inclusion
• Strong product judgment and range from core credit economics and underwriting innovation to customer experience rewards design and software driven differentiation
• A proven ability to partner closely with Engineering Risk Data Science Finance Compliance and Go-To-Market leaders to coalesce and deliver ambitious goals
• Strength in building and scaling product organizations mentoring senior product managers and creating a culture of accountability rigor and customer obsession
• Comfort operating at both strategic altitude and operational depth. You can define a multi-year vision for a credit platform while also diving into approval flows pricing mechanics loss curves and UX details
• A systems-level mindset with the ability to connect underwriting models card economics rewards structures and embedded software features into a unified customer experience
• A forward-looking perspective on AI automation and real time data in credit products and a clear point of view on how these technologies can create tangible value for businesses.

Were 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 will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and fair chance ordinances.

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 were doing to build a workplace that is fair and square Check out our ID page.

While there is no specific deadline to apply for this role U.S. roles are typically open for an average of 55 days before being filled by a successful candidate. Please refer to the date listed at the top of this job page for when this role was first posted.

Required Experience:

Director