Credit & Underwriting Strategist

Position Overview

• Location Type: Remote
• Employment Type: Full-time
• Salary: (Salary information is missing - to be added)

Mercury is hiring a Credit & Underwriting Strategist to scale our credit risk infrastructure and drive smarter credit decisions. This role will lead initiatives to improve credit assessment, monitoring, and growth across our B2B charge card products and emerging card offerings. You’ll partner with underwriting, data science, product, and compliance to shape strategy and influence how Mercury extends credit through cards to startups, ecommerce companies, and beyond.

Requirements

• Experience: 5+ years in credit, underwriting, analytics, or risk roles (ideally in fintech, B2B lending, or corporate cards).
• Cards Experience: Strong preference for experience in Cards.
• Consumer Credit: Experience with consumer credit is a plus.
• Industry Knowledge: Experience underwriting eCommerce, venture-backed, or unconventional businesses is beneficial.
• Technical Skills:
  • Proficiency in SQL
  • Fluency in financial statement analysis (especially SMB/startup contexts)
• Analytical Skills: Ability to extract signal from imperfect data and communicate decisions clearly.

Responsibilities

• Underwriting Methodology:
  • Design and refine underwriting methodology.
  • Explore alternative underwriting strategies (e.g., revenue-based models, extended repayment terms).
  • Evaluate and validate new credit signals, internally and via vendors.
• Special Projects:
  • Expand eligibility criteria for existing and upcoming credit products.
  • Shape underwriting strategy for new credit card products.
  • Develop frameworks for improving credit limit stability without increasing risk.
  • Help establish and track goals for various underwriting functions.
  • Iterate on existing mitigation strategies.
• Credit Performance Monitoring:
  • Own and improve monthly underwriting audits.
  • Maintain QA processes for credit reporting and decisioning systems.
  • Support loss forecasting and drive trend-based strategy development.
• Data-Informed Decisioning:
  • Translate analysis into actionable credit strategy.
  • Recommend and implement KPI’s to improve risk decisioning, customer segmentation, operations, and loss.
• Vendor Evaluation:
  • Lead evaluation and implementation of third-party data vendors.
• Audits & Compliance:
  • Prepare materials for internal and external audits.
  • Help deliver data and process diligence for regulatory and banking partners.

Application Instructions

(Application instructions are missing - to be added)

Company Information

(Company information is missing - to be added)

The total rewards package at Mercury includes base salary, equity (stock options), and benefits.