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.

Today, Square is the largest online SMB lender in America. We didn't 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While traditional banks relied on outdated credit models that locked out millions of small businesses, we built something different.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 we're bringing that same insurgent energy to credit cards.

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.

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

The Role

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.

This is not a "manage the roadmap" role. This is a “build the future” role.

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.

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—this is your role.

You Will

Define the Product Vision

• Build a multi-year product vision for Square's 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 doesn't 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, aren't 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.

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 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 we’re doing to build a workplace that is fair and square? Check out our I+D 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.

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:$304,500—$456,700 USDZone B: $304,500—$456,700 USDZone C:$304,500—$456,700 USDZone D:$304,500—$456,700 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.

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