Question should be moved to Products. "Community" is for questions about the Marketo Nation website itself -- and yes, this is confusing.
Anyway, your impression is correct. Marketo does not have a scheduler for import jobs, and does not support pulling from SFTP. You'd have to build an integration tier that downloads on a schedule from SFTP, transforms, and uploads via API.
The easier way for export CSV from SFTP to Marketo automatically is to use any of these 3rd-party services available on Marketo Launchpoint: