Staff Product Manager, Payments at Morpho (United States)Staff Product Manager, Payments

Morpho is a leading Decentralized Finance (DeFi) lending protocol backed by a16z crypto, Paradigm, Ribbit Capital, Apollo, Vaneck, Coinbase Ventures, Variant and 50 others to build an open credit network giving anyone, anywhere, access to the best possible terms. Morpho is experiencing exponential adoption, with over billion in deposits on the network and used by institutional clients including Bitwise, Galaxy, and Anchorage Digital and the largest crypto exchanges, such as Coinbase, Binance, and Kraken. Now, Morpho is scaling its team of contributors to establish itself as the open credit network, not just of DeFi, but of the world.

Everyone has the potential to build something great for the world. But fulfilling that ambition almost always requires more: people willing to trust you with their capital. Yet access to capital still depends on where you live, who you know, and which institutions are willing to trust you. Even when capital is available, it sits fragmented across disconnected networks and hidden behind intermediaries. The result is a system that fails most of the people it should serve. Borrowers overpay. Lenders earn less than they should. Many are shut out entirely, not because they are unworthy of credit, but because today's infrastructure was never built to connect them. Morpho exists to solve this. Full article here. Location Remote

Payments is one of the largest industries in finance, and a major opportunity for onchain credit. Across card networks, bank transfers and other payment systems, money is confirmed well before it settles, and credit can play an important role in increasing utility for both sides of the network. Midnight, Morpho's fixed-rate, fixed-term lending protocol, makes this practical, with short loans on predictable terms. Morpho provides open credit infrastructure that payments companies can build on. This role leads that work: you will partner with acquirers, card issuers, payment networks and lenders to understand what they need, and shape Morpho's infrastructure so their products can put credit to use.

• Own the vision, strategy and roadmap for credit in payments on Morpho.
• Act as Morpho's domain expert on the payments industry. Go deep with payments companies and lenders on how money moves and settles, represent Morpho with them, and turn conflicting input into precise problem statements and requirements.
• Prioritize market opportunities across networks, partner types, and regions, and make the trade-offs explicit.
• Drive each initiative from problem definition through launch and adoption, across teams you do not manage. Define success before launch, measured in active loans and how often they repeat.
• Create scalable products and integrations that any acquirer, issuer or lender can adopt, and make the build or partner call for each piece.
• Work as a peer to the protocol team on design trade-offs, such as how settlement data is verified and how lenders are repaid, bringing legal in early on requirements by jurisdiction.

What Success Looks Like First 30 days You understand Morpho's lending stack, Midnight and the current receivables build in detail: who the partners are, how money and data move, and where it breaks. You have met protocol, solutions, partnerships and legal, and spoken with the current partners yourself. First 3 months Version one is written down: standard terms, the integration path and what lenders require. You have tested it with several acquirers or issuers and more than one lender, and the first partner is onboarding on those terms. You have a ranked map of the wider payments opportunity. First 6 months Loans repeat every week, with more than one borrower and more than one lender on standard terms. A second use case, on the issuer side or a second network, is in proof of concept. Morpho has the evidence to decide how much further to invest in payments.

Must Have Experience & Skills

• Shipped products in payments: acquiring, processing, card issuing, network settlement, or lending against payment flows such as receivables financing, merchant cash advance or buy now, pay later.
• Detailed knowledge of how money and data move between issuers, networks, acquirers and merchants, including settlement timing, prefunding and where the risk sits.
• A track record of taking a product from zero to one, where you found the opportunity and carried it through launch.
• Comfortable in commercial and legal detail with banks, processors and credit funds, and experienced in shipping regulated financial products.
• You act first: you find the right person at a partner and get the meeting without waiting to be introduced.
• Able to deliver through influence across teams, without a dedicated engineering team.
• Clear writing and speaking for technical and non-technical audiences.
• Team-first mindset, low ego.

• Credit experience: underwriting, asset-backed lending, or working with credit funds.
• Experience with stablecoins, stablecoin settlement or onchain lending.
• Has been a founder, or the first product manager on a new business line.

We design benefits around deep work and growth, so you can do the best work of your career. Expect fair, top-tier compensation, real flexibility, time together in Paris, great health coverage, and support to keep learning.

We welcome applicants from all backgrounds and hire based on talent, potential, and values alignment.