Mercury - Consumer Credit Lead - Cards
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Requirements
• 6+ years of experience in consumer credit risk. Ideal candidates will have 8–12 years of experience across banking, fintech, or unsecured consumer lending • Experience launching or materially redesigning a consumer lending product • Experience implementing credit policy within a decisioning or underwriting platform is strongly preferred • Demonstrated experience owning risk strategy and monitoring portfolio performance • Deep familiarity with bureau data and core credit risk metrics (approval rate, loss rate, vintage curves, etc.) • Experience presenting risk insights and strategy recommendations to senior stakeholders • Experience translating policy into production decision logic • Strong SQL skills and comfort working directly with data • Comfortable building in ambiguity and operating in a 0→1 environment
Benefits
• You’ll join before launch - when foundational decisions are made - and remain accountable for how those decisions perform in-market. You won’t inherit a mature portfolio. You’ll help define how underwriting works, how risk scales, and how this product earns long-term customer trust. • As the consumer portfolio grows, this role has the potential to evolve into a leadership position responsible for building and managing a dedicated consumer credit risk team. • The total rewards package at Mercury includes base salary, equity, and benefits. • Our salary and equity ranges are highly competitive within the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry. New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers. • Our target new hire base salary ranges for this role are the following: • US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $207,800 - $259,800 • US employees outside of the New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $187,00 - $233,800 • Canadian employees (any location): $196,400 - $245,500 CAD
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