Product Manager, Capital

  • New York, NY, USA
  • 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, helping the ice cream shop pay its employees, and giving the burgeoning coffee chain capital for a second, third, and fourth location. Let’s shorten the distance between having an idea and making a living from it. 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.


Square Capital is addressing a major pain point for small businesses - how to get the funding needed to run and grow their business. We started by offering Capital to Square sellers and have extended over $4B in funding to over 200,000 sellers in the last 5 years. Sellers cite ease of application, clear terms and fast funding as the reasons they choose Square Capital, and continue to give us industry-leading Net Promoter Scores in the high 70s. We are now building a lending platform that will bring the same experience that Square sellers have come to love to any small business that needs Capital. With nearly 30M small businesses in the US, the opportunity for Square Capital to scale beyond Square sellers is enormous.

Job Description

As a Product Manager on Square Capital, you will be responsible for designing, building, and owning our lending products. You will be focused on helping sellers by understanding and proactively meeting their financing needs for various use cases, by creating simple, transparent and fair financial products that expand access to sellers that need it the most. By collaborating closely with designers, engineers, analysts, and other cross-functional team members within the organization, you will own the end-end development of products that amaze and delight our users. If you’re looking to impact the growth and direction of a company while helping and educating small businesses, you will find this role compelling, challenging, and rewarding.  



  • Build a deep understanding and empathy for our customers

  • Identify market opportunities and competition, build business cases and define product vision and strategy

  • Develop innovative products that uniquely serve the funding needs of small business

  • Manage the entire product life cycle from ideation, to planning and execution

  • Define, document, and communicate objectives, requirements and constraints for product initiatives

  • Inspire your cross-functional peers in order to build a strong partnership in delivering excellent products and services

  • Drive the tactics and delivery timelines for the work required to drive growth

  • Effectively communicate progress on initiatives to stakeholders

  • Hypothesize, measure and learn. Continuously test and leverage insights to inform decisions

  • Represent the team with cross-functional partners and senior company leaders in order to align resources and prioritization


You have:

  • 7+ years of product management experience or equivalent

  • Strong customer empathy and experience shaping product direction based on customer needs

  • A track record of shipping and iterating on successful products at scale, with cross-functional teams

  • Experience shaping and driving key strategies that have shaped the product portfolio of a company or organization

  • Demonstrated leadership, the ability to drive product strategy and build consensus with senior engineers and designers

  • Excellent interpersonal skills with the ability to think and communicate creatively, thoughtfully, and with diverse technical and non-technical groups, spanning all organizational levels

  • Developed, evangelized and tracked metrics to understand the impact of the solutions you create

  • An analytical and metrics driven work style that leverages data to make informed decisions

  • Exceptional organization and prioritization skills

  • Strong work ethic, intellectual curiosity, and commitment to continuous improvement with the ability to take an idea and bring it to life with minimal supervision

You are:

  • Passionate about Square's mission to expand access to capital to more businesses of all sizes

  • Highly entrepreneurial and comfortable working in a fast-paced environment with the ability to thrive under minimal guidance

  • A highly motivated and resourceful self-starter, excited about the opportunity to own a part of Square Capital's business results

  • An analytical thinker with the ability to independently pull data and distill it into meaningful recommendations

  • Able to craft recommendations with conviction with the ability to revise your original line of thinking based upon new information

Additional Information

At Square, our purpose is to empower – within and outside of our walls. In order to build the best tools for the businesses and customers we support all over the world, we have to start at home with a workforce as diverse and empowered as our sellers. To this end, we take great care to evaluate all employees and job applicants equally, based on merit, competence, and qualifications. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or any other characteristic protected by law. We encourage candidates from all backgrounds to apply and always consider qualified applicants with arrest and conviction records, in accordance with the San Francisco Fair Chance Ordinance. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us by sending an email to assistance(at) We will treat your request as confidentially as possible. In your email, please include your name and preferred method of contact, and we will respond as soon as possible.