Head of Product, Square Credit Cards

<p>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.</p> <p>Today, Square is the largest online SMB lender in America. We didn't get here by playing it safe - we got here by <strong>rewriting the rules.</strong></p> <p>While traditional banks relied on outdated credit models that locked out millions of small businesses, we built something different.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. </p> <p>Now we're bringing that same insurgent energy to credit cards.</p> <p>We're not building another corporate card. We're 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 restaurant's Friday night is different from a salon's Tuesday morning. Credit Cards that work the way these businesses actually operate.</p> <p><em>This is a once-in-a-career opportunity to define and lead a category-defining credit product from the ground up.</em></p> <h4><strong>The Role</strong></h4> <p>We're hiring a Head of Product, Square Credit Cards to build the next generation of business credit, that doesn't just serve small businesses, but actually understands them.</p> <p>This is not a "manage the roadmap" role. This is a <strong>“build the future”</strong> role.</p> <p>You'll define the vision. You'll set the strategy. You'll build the team. And you'll 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.</p> <p>If you're 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 credit—<strong>this is your role.</strong></p> <h4><strong>You Will</strong></h4> <p><strong>Define the Product Vision</strong></p> <ul> <li>Build a multi-year product vision for Square's credit card business rooted in the real needs of food beverage and retail operators</li> <li>Design vertically-focused card experiences tailored to how restaurants manage tips, how retailers handle inventory, and how service businesses control expenses</li> <li>Create a roadmap that balances growth, risk performance, customer value, and long-term profitability</li> </ul> <p><strong>Build AI-Native Financial Software</strong></p> <ul> <li>Lead development of AI-powered capabilities like intelligent spend categorization, proactive cash-flow insights, personalized limit recommendations, and automated reconciliation</li> <li>Create embedded workflows that let sellers manage inventory purchases, supplier payments, and expense controls directly within Square with no context switching, no manual exports</li> <li>Ensure the card functions as part of an operating system, not just a payment instrument</li> </ul> <p><strong>Deliver Software-Led Differentiation</strong></p> <ul> <li>Build features that matter: spend controls, role-based permissions, rewards aligned to merchant categories, real-time reporting, seamless accounting integrations</li> <li>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 doesn't meet the needs of a thin margined bagel cafe</li> <li>Drive measurable improvements in seller retention, engagement, and lifetime value</li> </ul> <p><strong>Own Outcomes and Economics</strong></p> <ul> <li>Define and manage ... (truncated, view full listing at source)