Senior Credit Analyst

Mercury is building a complete finance stack for startups. They work hard to create the easiest and safest banking experience possible to simplify their customer's financial lives, whether they are entrepreneurs, business owners, or individuals. Mercury has also obtained a provisional national bank charter and is currently taking proactive steps for final approval.

This role is responsible for operating the daily underwriting process for Mercury's commercial charge card program, including credit decisioning for new manual underwrites, monitoring and re-underwriting for existing customers, and shaping credit policy and procedure.

Responsibilities

• Complete the underwriting of new card applications, documenting a clear and defensible rationale for each decision.
• Own the daily operations of portfolio monitoring and re-underwriting process for existing card customers, identifying risk changes early and recommending action.
• Develop and iterate the documentation for underwriting and ongoing monitoring procedures so decisions stay consistent, auditable, and aligned to credit policy.
• Provide internal support to Customer Success, Sales, and Risk/Compliance on card account requests and act as a strategic partner for recommending credit product fits.
• Coordinate escalation workflows, routing complex or exception cases to the right decision-makers.
• Provide analytical support and influence improvements to credit policy and procedures, using what you see in applications and the portfolio.

Requirements

• Experience at a fintech or bank working with highly regulated financial products.
• Strong credit analysis toolbox, including financial statement analysis, and comfort working with cash and revenue-based underwriting methods.
• Sound judgment under uncertainty, making defensible decisions without over-exposing the business to undue risk.
• Analytical curiosity, digging into the why behind the data, spotting patterns across applications and accounts, and asking what the numbers do not show.

Nice to Have

• Experience working with data analysis tools, including SQL and/or Python.

Mercury values diversity and belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. They are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs.

Total Rewards

The total rewards package at Mercury includes base salary, equity (stock options/RSUs), and benefits. Their 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 their industry. New hire offers are made based on a candidate's experience, expertise, geographic location, and internal pay equity relative to peers.

Their target new hire base salary ranges for this role are:

• US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $142,900-$160,700 USD
• US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $128,600-$144,600 USD
• Canadian employees (any location): $135,000-$151,900 CAD