--- title: 'Staff Product Manager, Payments at Morpho' canonical: 'https://feeny.ai/job/staff-product-manager-payments-morpho-united-states-vq3c67501zgm' type: 'job' last_seen: '2026-11-12' --- # Staff Product Manager, Payments at Morpho - **Company:** Morpho - **Location:** United States - **Employment:** full-time - **Work type:** remote - **Posted:** 2026-08-31 - **Last confirmed live:** 2026-11-12 - **Apply:** https://jobs.ashbyhq.com/morpho/94d58af1-4a2b-41d7-ae46-5c01f4c7adae ## Job description ## About Morpho 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. ## Why Morpho Exists 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](https://morpho.org/blog/why-morpho-exists/). Location Remote ## Role 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. ## Responsibilities - 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. ## Nice to Have - 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. ## Perks & Benefits 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. ## Equal Opportunity We welcome applicants from all backgrounds and hire based on talent, potential, and values alignment. ## About Morpho ## Company Overview - **One-liner**: Morpho is an open, decentralized credit network that provides enterprise-grade infrastructure for businesses to build, embed, and scale onchain lending and borrowing products. - **Entity Type**: Private (Venture-backed; last round: Series A+ led by Ribbit Capital) - **Headquarters**: Paris, France - **Founded**: 2021 - **Founders**: Paul Frambot (Co-founder & CEO), Merlin Egalite (Co-founder) ## Core Business - **Primary Industry**: Decentralized Finance (DeFi) / Onchain Lending Infrastructure - **Target Customers**: B2B — exchanges (e.g., Coinbase, Crypto.com), fintechs, banks, regulated institutions, and risk curators building lending/borrowing products. - **Mission Statement**: "Power human ambition with open access to capital." ## Products & Services - **Morpho Blue** *(Protocol/Infrastructure)*: A permissionless, immutable lending protocol with isolated markets (1 loan asset + 1 collateral asset per market). Serves as the foundation of the lending ecosystem. - **Morpho Vaults** *(Platform)*: Curated lending vaults that allow independent risk experts to build businesses around differentiated risk profiles, auto-allocating deposits across Morpho Markets. - **Morpho Optimizer** *(Optimization Layer)*: An optimization layer (now superseded by Morpho Blue) that initially improved interest rates for users on top of Aave and Compound. ## Market Standing - **Valuation**: Not disclosed (privately held). - **Key Metric — Total Deposits**: Over $13B in deposits (as of early 2026), up from $5B during 2025. Active loans reached $4B+. RWA deposits grew to $400M by Q3 2025. - **Key Metric — Total Funding**: $69.2M in total funding across 4 rounds. - Seed (2021): $1.2M (while founders were still at university) - Series A (2022): $18M led by a16z crypto & Variant - Venture Round (2024): $50M led by Ribbit Capital - **Notable Investors/Partners**: a16z crypto, Variant, Ribbit Capital, Pantera Capital. - **Notable Integrations (Business Customers)**: Coinbase (crypto-backed loans, its largest DeFi integration), Crypto.com, Gemini, Ledger, Lemon, Société Générale Forge, Bitget, and many other regulated institutions. - **Growth Signals**: User growth from 67,000 to 1.4M+ users (+2,000%+). Headcount grew 39.2% YoY to 52 employees, with 10 open roles in 2026. Expanding into institutional and regulated banking sector partnerships. ## Competitive Advantages - **Open & Permissionless but Secure**: Morpho is immutable, non-custodial, and permissionless, yet employs enterprise-grade security practices including tier-1 audits and a $2.5M bug bounty. Committed to formal verification. - **Flexible, Isolated Markets**: Unlike monolithic protocols (e.g., Aave), Morpho uses isolated, single-asset markets that can be composed into any risk profile, allowing depositors granular control over exposure. - **Liquidity Network Effect**: With $13B in deposits, Morpho provides the deepest onchain liquidity, creating a strong moat for attracting more builders and institutions. - **Top-Tier Backing & Adoption**: Backed by a16z, Variant, and Ribbit Capital, with integrations from the largest crypto exchanges globally — signaling trust and scalability. ## Strategic Focus - **Institutional Adoption**: Actively targeting banks, regulated institutions, and fintechs to embed onchain credit solutions. Société Générale Forge is a key strategic win. - **Real-World Assets (RWA)**: Growing the RWA deposit volume, which expanded from near zero to $400M in 2025. - **Geographic Expansion**: Operating in 12 countries (US, UK, Switzerland, Portugal, Singapore, NZ, etc.), with dedicated roles for APAC and Americas regions. - **Talent Acquisition**: Scaling the engineering and institutional sales teams aggressively, particularly for Protocol Engineers, Security Engineers, and strategic account managers. ## Why Work Here - **Culture & Values**: Values include "Justify Everything" (challenge all decisions with rationale), "Bias for Action," "Laser-Focused," and "Simplicity." The team expects high output but supports its talent with top compensation and autonomy. - **Remote-First with Global Offices**: Flexible work policy — remote or from their Paris headquarters. Remote employees get an allowance to visit Paris 3x a year. All employees have access to Spaces co-working offices globally (585+ locations). - **Compensation & Perks**: Base salary in top 10% globally. Full-time contributors receive MORPHO token grants. Health insurance worldwide. Professional development budget for courses and conferences. Relocation packages available for Paris. - **High-Impact Work**: Tackling fundamental problems in a nascent market — re-building the global credit system onchain. The engineering team is publicly highlighted as a core strength in the 2026 update. - **Hiring Process**: 3–6 weeks: (1) Talent Lead interview, (2) Manager interview, (3) Case study, (4) Co-founder interview. ## Sources 1. [morpho.org](https://morpho.org/) 2. [linkedin.com](https://www.linkedin.com/company/morpho-association) 3. [morpho.org/jobs](https://morpho.org/jobs) 4. [morpho.org/faq](https://morpho.org/faq/) 5. [morpho.org/blog/morpho-2026](https://morpho.org/blog/morpho-2026/) ## Other roles at Morpho - [Staff Product Manager, Institutional Credit](https://feeny.ai/job/staff-product-manager-institutional-credit-morpho-united-states-0njw0g1trby7) — United States - [Head of Communications](https://feeny.ai/job/head-of-communications-morpho-united-states-mqchxsda0tqv) — United States - [Senior IT Engineer](https://feeny.ai/job/senior-it-engineer-morpho-france-ds1tyjhjc1vv) — France - [Head of Security](https://feeny.ai/job/head-of-security-morpho-paris-aad0r2vv27gh) — Paris, France - [US Policy Lead](https://feeny.ai/job/us-policy-lead-morpho-united-states-584y35dsbcvb) — United States - [Commercial Counsel](https://feeny.ai/job/commercial-counsel-morpho-united-states-y0b9arvy9pnw) — United States - [Product Manager (Protocol)](https://feeny.ai/job/product-manager-protocol-morpho-paris-4qgwkfxxyvwc) — Paris, France - [Account Manager](https://feeny.ai/job/account-manager-morpho-new-york-wpvqe9xrmfqp) — New York, NY - [Revenue Operations Manager](https://feeny.ai/job/revenue-operations-manager-morpho-paris-tdtt8cg0fy19) — Paris, France - [Senior Business Development Manager, Fintechs](https://feeny.ai/job/senior-business-development-manager-fintechs-morpho-united-states-9153h1515dw1) — United States