--- title: 'Product Manager, Subscriptions at Referrals Only' canonical: 'https://feeny.ai/job/product-manager-subscriptions-referrals-only-barcelona-0jkx6zdsjnj7' type: 'job' last_seen: '2026-09-07' --- # Product Manager, Subscriptions at Referrals Only - **Company:** Referrals Only - **Location:** Barcelona, Spain - **Posted:** 2026-09-04 - **Last confirmed live:** 2026-09-07 - **Apply:** https://job-boards.greenhouse.io/monzoreferrals/jobs/8180407 ## Job description 📍Barcelona | 💰€55,000 - €70,000 + equity + Incentive Awards tied to your performance + [Benefits](https://monzo.com/careers/) ⭐Our Subscriptions team We are looking for a Product Manager to work in our Subscriptions team. This team is responsible for all of our subscriptions products, including Extra, Perks and Max! The number of subscribers has grown substantially over the last few years, and we’re now looking to scale and accelerate through new vectors of growth, that role will be key to drive that. 🔑You’ll play a key role by As a Product Manager for Subscriptions, you’ll ensure that we continue to meet and exceed the needs and expectations of our subscribers, delivering more value to them and driving continued engagement. That means you’ll: - Build a deep understanding of customer needs, behaviours and pain points - Work closely with data and user research to identify areas of opportunities, including in various markets - Define clear problems to solve, prioritise effectively, and focus on the opportunities with the highest potential impact - Partner with engineering, design, research, data, and marketing to shape and deliver product improvements, new value propositions and changes - Collaborate with other Subscriptions squad to deliver a strong customer experience - Track performance against goals and use data to understand what is and isn’t working 🤩 We’d love to hear from you if… - You’ve shipped high-quality digital products in a fast-moving environment. Even better if you have experience in subscriptions based businesses or expansion focused roles - You can work effectively with a diverse range of people and working styles - spanning engineering, design, data, user research, marketing, legal and compliance - to get stuff done - You’re highly customer-focused and know how to turn insight into practical product changes - You're data-driven, and enthusiastic about metrics. You have a proven track record of making an impact through experimentation and optimization. You’re comfortable using both data and research to identify opportunities and make decisions - You enjoy working across discovery and delivery, from understanding problems to testing solutions in market - You’re able to work autonomously and make progress in ambiguous spaces - You get people inspired by the product vision and you share the right context with the right people at the right time. - You’re excited by experimentation, and have strong instincts for how to learn quickly - You work well with a wide range of partners and disciplines to get things done - You care about delivering meaningful customer and business outcomes, not just shipping feature - You’re excited by what we’re doing at Monzo Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you! 🙌What’s in it for you 💰€55K - €70K ➕share options. 🌴 Time Off 24 days holiday + all local bank holidays 💸 Pension Allowance €37.50 net per month 🏡 Home Working Allowance Paid to compensate time spent working remotely 🍔 Meal Allowance €11 gross per working day (shown on payslip) 🎁 Free lunches on Tuesdays and after work drink on Thursdays ➕ Plus lots more! [Read our full list of benefits](https://monzo.com/careers/). 🌈 The application journey has 3 key steps - Recruiter Call (30 minutes) - Initial Call (45 minutes) with the hiring manager - Final Loop (2 hours 45) consisting of x 3 interviews consisting of a Project Walkthrough, Case Study and Leadership interview. Our average process takes around 5-6 weeks but we will always work around your availability. We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. If you're successful in applying for this role, we'll work with you to find a start date. In some cases, there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. We’ll be sure to communicate this with you and keep you updated. Linkedin Tags: #LI-CM2 ## About Referrals Only ## Company Overview - **One-liner**: Marqeta is the world’s first modern card issuing platform, providing open APIs that enable businesses to create, manage, and scale customized payment card programs. - **Entity Type**: Public (Ticker: MQ on NASDAQ) - **Headquarters**: Oakland, California, USA - **Founded**: 2010 - **Founders**: Jason Gardner (Founder & Executive Chairman) ## Core Business - **Primary industry**: Financial Technology (Fintech) — Modern Card Issuing & Payment Solutions - **Target customers**: B2B; serves a wide range of industries including digital banking, on-demand delivery, buy now, pay later, expense management, retail, and workforce payments. Customers include Square, DoorDash, and other high-growth fintech and enterprise companies. - **Mission or purpose statement**: To simplify payments and enable any company to deliver delightful payment experiences natively, powering more flexible, engaging, and innovative payment products. ## Products & Services - **Modern Card Issuing Platform (SaaS/API)**: Fully open API platform that allows developers to launch new credit and debit card programs with speed, flexibility, and scale. Supports instant wage access, embedded finance, and custom card products. - **Compliance & Risk Management (Service)**: Integrated fraud detection, spend control, and compliance tools to ensure high levels of security and uptime. - **Global Expansion Capabilities (Platform)**: Certified to operate in over 40 countries across the US, Europe, and Asia, enabling businesses to scale globally. ## Market Standing - **Valuation/Market Cap**: As a public company, market cap fluctuates. As of mid-2026, Marqeta is a publicly traded company valued in the multi-billion dollar range (exact figure varies with market conditions). - **Key Metric**: Annual Revenue — $383 billion+ in total volume processed in 2025; 80x volume growth since 2017; 99.99% platform uptime in 2025. - **Notable Investors/Partners**: Key customers include Square (Block), DoorDash, and other leading fintech and enterprise firms. Partners include issuing banks, networks (e.g., Visa, Mastercard), and card fulfillment providers. - **Growth Signals**: Recognized as a CNBC Disruptor (top 50 in 2021 award); consistent expansion into new geographies (EU, UK, Asia); continued hiring across multiple departments and regions (US, Canada, UK). ## Competitive Advantages - **First-mover & category leader**: Marqeta defined the modern card issuing category with its open API platform, giving it a decade-plus head start over competitors. - **Scalability & reliability**: Proven track record of 99.99% uptime and handling massive transaction volumes (80x growth since 2017) — critical for enterprise customers. - **Deep integration with major networks**: Pre-existing relationships with Visa, Mastercard, and issuing banks shorten time-to-market for customers. - **Developer-first approach**: Open APIs and developer tools make it easy for engineering teams to build custom payment experiences quickly. ## Strategic Focus - **Global expansion**: Continuing to expand its certified operations into new countries (currently 40+) to serve multinational customers. - **Embedded finance & new use cases**: Driving adoption in instant wage access, embedded finance, and enterprise expense management. - **AI & automation**: Investing in AI-powered fraud detection, risk management, and product automation (e.g., hiring for Principal Security Engineer, Product & AI; Lead Product Manager, Enterprise AI & Automation). - **Platform stability & security**: Maintaining industry-leading uptime and security compliance as core differentiators. ## Why Work Here - **Culture & values**: Marqeta emphasizes a culture of “Simplify and Innovate,” “Solve for the Customer,” “Do What’s Right,” “Make it Count,” and “Win as a Team.” Employee Resource Groups (ERGs) include BlackCard, HOLA, RepresentAsian, Desi, MQ-Proud, Vets@MQ, Women’s Group, Parents’ Group, and Marqetaglots. - **Remote/hybrid policy**: Many roles are remote (US, Canada, UK), with some positions based in Oakland, CA or London, UK. The company supports flexible work arrangements. - **Notable perks & engineering culture**: Fast-paced, purpose-driven environment; strong focus on developer experience and open APIs; opportunities to work on cutting-edge payment infrastructure at massive scale. The company invests heavily in early career talent and internal mobility. - **Award-winning workplace**: Recognized as a top workplace (e.g., CNBC Disruptor) and offers a collaborative, inclusive environment. ## Sources 1. [Marqeta About Us](https://www.marqeta.com/company/about-us) 2. [Marqeta Careers Page](https://www.marqeta.com/company/careers) 3. [Marqeta Homepage](https://www.marqeta.com/) 4. [Greenhouse Job Board](http://job-boards.greenhouse.io/marqeta) 5. [MQ Referrals Job Board](https://job-boards.greenhouse.io/mqreferrals/jobs/7743043) ## Other roles at Referrals Only - [Fraud Investigator, Overnight Team](https://feeny.ai/job/fraud-investigator-overnight-team-referrals-only-united-kingdom-weayv59k72r1) — United Kingdom - [Lead Market Researcher](https://feeny.ai/job/lead-market-researcher-referrals-only-cardiff-london-or-83qyn2ncq2qk) — Cardiff London OR, United Kingdom - [Chief of Staff, Group CFO](https://feeny.ai/job/chief-of-staff-group-cfo-referrals-only-london-fg8xem42f7fh) — London, United Kingdom - [Senior Product Manager - Growth](https://feeny.ai/job/senior-product-manager-growth-referrals-only-london-x8w3pax4qj7r) — London, United Kingdom - [Director of Product Design](https://feeny.ai/job/director-of-product-design-referrals-only-cardiff-london-or-8ca0hy3vyc09) — Cardiff London OR, United Kingdom - [Staff Backend Engineer](https://feeny.ai/job/staff-backend-engineer-referrals-only-cardiff-london-or-6w1n8z0gktm9) — Cardiff London OR, United Kingdom - [Senior Backend Engineer](https://feeny.ai/job/senior-backend-engineer-referrals-only-cardiff-london-or-0weyav3xnjw9) — Cardiff London OR, United Kingdom - [Backend Engineer III](https://feeny.ai/job/backend-engineer-iii-referrals-only-cardiff-london-or-awnc2afx215n) — Cardiff London OR, United Kingdom - [Android Engineer](https://feeny.ai/job/android-engineer-referrals-only-cardiff-london-or-zgy3wbdg3pyh) — Cardiff London OR, United Kingdom - [Special Projects Lead](https://feeny.ai/job/special-projects-lead-referrals-only-london-fy6jfn5pkbb1) — London, United Kingdom