Senior Product Marketing Manager, Credit Portfolio

Company Description

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 through Afterpay, 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.

Job Description

Square is rapidly launching new credit products to address unmet financing needs to help businesses run and grow their businesses. As the Credit Portfolio, Senior Product Marketing Manager, you will improve outcomes for sellers and the credit portfolio by working across all credit products and teams including Product, Engineering, Data Science, Design, Creative, Capital Markets, Risk, Legal, Compliance, and Credit Policy. 

You Will:

• Conduct jobs to be done research to understand diverse business financing opportunities and identify unmet needs 

• Maintain up to date competitive intelligence on the credit product offering among competitors (structure, terms, pricing, customizations etc.), including fintechs, traditional financial institutions, and other alternative financing providers available to sellers in Square’s target audiences

• Collaborate with Product, Design, Engineering, Data Science, and Capital Markets teams to develop credit product strategy to address business financing jobs to be done 

• Define the best fit products for target seller segments and partner with Product, Data Science, Engineering, Design, and go-to-market teams to surface the right product at the right time to the right seller either through pre-qualification or on-demand application 

• Develop a profitability framework to inform seller targeting and an automated product recommendation engine 

• Partner with Product, Credit Policy, Data Science, and Capital Markets Leads to establish a strategic pricing framework informed by competitive landscape, portfolio management, and Square’s priorities 

• Lead the development of product positioning, value propositions, and messaging for all go-to-market executions that cover the entire credit product portfolio with explicit ownership over positioning and go-to-market for the Square Loans product

• Establish the ideal seller adoption path for credit products and define the cross-sell opportunities to deliver seller value as credit needs arrive

• Execute against the go-to-market elements of the credit product strategy with responsibility over all surface areas that showcase the credit product suite

• Responsible for ongoing conversion optimization across shared marketing surface areas and informing best-fit modeling and pre-qualification frameworks to based on seller conversion behavior 

• Promote a test and learn culture by moving with urgency, shipping often, and iterating

• Partner with Growth Marketing, Creative, and Design to develop compelling, contextual, and relatable go-to-market concepts that resonate and prompt customer behavior 

Qualifications

You Have:

• 12+ years of product marketing or related experience (growth marketing, credit policy, management consulting in a relevant industry) with a Bachelor’s degree, or 10+ years with a Master’s degree

• Expertise in credit product marketing, including credit cards and secured or unsecured lending

• Segmented marketing experience with delivery of insights based segmented marketing programs 

• Ability to articulate a compelling differentiation strategy and clear positioning based on customer needs, competitive dynamics, and market trends

• Experience creating competitive intelligence programs, around pricing of competing credit offers

• Experience developing strategy, directly executing agains