Product Manager

  • San Francisco, CA
  • Full-time

Company Description

We believe everyone should be able to participate and thrive in the economy. So we’re building tools that make commerce easier and more accessible to all. We started with a little white credit card reader but haven’t stopped there. Our new reader helps our sellers accept chip cards and NFC payments, and our Cash app lets people pay each other back instantly. We’re empowering the independent electrician to send invoices, setting up the favorite food truck with a delivery option, and helping the ice cream shop pay its employees. And, with Square Capital, we have extended over $1 billion in funding to our sellers, helping them manage their cashflow and making it easy to invest in and grow their business. Let’s shorten the distance between having an idea and making a living from it. And make it easier for customers to shop and pay at their favorite businesses. We’re here to help sellers of all sizes start, run, and grow their business—and helping them grow their business is good business for everyone.

Job Description

Square Capital builds products that expand access to credit, with a focus on historically underserved customers. We started by providing investment loans to the small businesses that use Square for credit card payments. Our proprietary data and intuitive product delivery has helped us originate over $2.5 billion in just four years. And Capital is just getting started.

This Product Manager will work on Capital growth initiatives, finding strategic ways to marshal Square’s proprietary data, technology, and customer base to increase access to capital for historically underserved customers. Their first ‘tour of duty’ will be exploring Square’s entry into consumer lending. In this role, you will collaborate closely with engineers, designers, data scientists, and other cross-functional team members to design, ship, and refine key product features that provide a frictionless financing experience for Square Sellers and their customers.

You will:

  • Conduct extensive research to understand customer needs and existing solutions

  • Use that research to craft a compelling product vision and strategy

  • Plan, prioritize, and deliver achievable projects against that vision and strategy

  • Thoughtfully define and communicate project goals, requirements, and constraints


You have:

Ownership - You own the goal of delivering a wonderful customer experience. You commission great work cross-functionally, from teams like engineering, design, data science, operations, marketing, and legal. Then you put in whatever else is required to make sure the next part of your product gets shipped in a way that delights the customer and makes the whole team proud that they worked on it.

Judgment - You’re a full-stack decision-maker. Your team trusts your guidance on questions like this year’s strategy, this month’s roadmap, this week’s sprint plan. To do this, you can pull your own data (SQL) and analyze it (Excel/Sheets) to come up with counterintuitive insights. When there isn’t enough data, you conduct top-notch qualitative research to help understand what the customer is trying to do and what your product needs in order help them achieve that. Plus, you can prioritize JIRA tickets with your eyes closed.

Leadership - You infuse positive energy into your work. People who have worked with you before are excited to do so again. You can make challenging prioritization decisions, but you are open-minded and transparent in the process of making those decisions. Other PMs look to you for mentorship and advice. The executive team can trust you to make wise decisions about deploying resources on your team: pulling back if you find new signals that challenge your original hypothesis, and doubling down when you see stronger traction than you expected.

Experience - You’ve served as a product manager at a technology company for at least 5 years. This means you have been directly responsible for defining the work of engineers and designers in delivering a technology product. You can easily point to the customer pain point(s) that your product solved, and how it solved that pain better than others. You can describe major mistakes that you’ve made, and how you operate differently now as a result. Time spent on consumer financial products is a strong plus, but not a strict requirement.

Additional Information

At Square, we value diversity and always treat all employees and job applicants based on merit, qualifications, competence, and talent. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.