# Consumer Credit Lead - Cards

**Company**: Mercury
**Location**: San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States
**Work arrangement**: remote
**Experience**: senior
**Job type**: full-time
**Salary**: $187,000 - $233,800
**Category**: Finance
**Industry**: Fintech

**Apply**: https://job-boards.greenhouse.io/mercury/jobs/5838487004?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_639e80e2-93c

## Description

We're looking for a senior credit risk leader to help build and scale the underwriting strategy for our new consumer charge card. You'll take an initial strategic direction and turn it into a scalable, data-driven underwriting program, then monitor, refine, and evolve that strategy post-launch.

As the portfolio grows, this role is expected to evolve into team leadership. You'll play a key role in shaping how risk decisions translate into customer experience, product growth, and long-term portfolio performance.

Key responsibilities include:

* Building and operationalizing the credit strategy
* Translating underwriting vision into formal credit policy and decision frameworks
* Defining approval logic, segmentation strategy, and limit-setting methodology
* Establishing portfolio guardrails aligned to loss targets and unit economics
* Designing account management strategies across the customer lifecycle
* Developing early portfolio management approaches including exposure adjustments, servicing strategies, and input into collections processes as the portfolio matures
* Defining portfolio monitoring frameworks and escalation triggers for emerging credit risk trends

* Building the data-driven risk engine
* Implementing credit policy in our underwriting platform
* Evaluating and integrating key data sources (bureau, income, debt signals)
* Ensuring decision logic is structured, testable, and scalable
* Partnering with Engineering and Data to build monitoring and feedback loops

* Owning portfolio performance post-launch
* Defining and tracking core KPIs (approval rate, early delinquency, loss rate, exposure, utilization, etc.)
* Monitoring vintage performance and segment behavior
* Recommending and implementing strategy adjustments based on observed risk trends
* Presenting risk performance, insights, and recommendations to senior leadership

* Driving data-informed risk and growth decisions
* Using SQL to independently evaluate underwriting decisions and trade-offs
* Analyzing drivers of credit performance and portfolio outcomes
* Partnering with Finance on forecasting and risk-adjusted economics

* Driving cross-functional execution
* Partnering with Compliance to ensure the underwriting program is well-documented and built to scale
* Working with Partnerships, Procurement, and Legal on evaluating and onboarding credit data providers
* Supporting broader risk initiatives across our business charge card portfolio during the build phase

Requirements include:

* 6+ years of experience in consumer credit risk
* 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

Total rewards package includes base salary, equity, and benefits. Salary and equity ranges are highly competitive within the SaaS and fintech industry.

## Skills

### Required
- consumer credit risk
- credit policy
- decision frameworks
- approval logic
- segmentation strategy
- limit-setting methodology
- portfolio guardrails
- loss targets
- unit economics
- account management
- customer lifecycle
- exposure adjustments
- servicing strategies
- collections processes
- portfolio monitoring
- escalation triggers
- emerging credit risk trends
- data-driven risk engine
- underwriting platform
- key data sources
- bureau data
- income data
- debt signals
- decision logic
- structured queries
- testable logic
- scalable logic
- monitoring and feedback loops
- SQL
- credit performance
- portfolio outcomes
- forecasting
- risk-adjusted economics
- cross-functional execution
- compliance
- partnerships
- procurement
- legal
- broader risk initiatives

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Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/mercury/jobs/5838487004?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)