Credit Strategy Lead
Settle110,000 - 160,000 USD/year
- Full Time
- Junior (1 to 2 years)
Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Fintech, B2B Lending, Corporate Cards, EcommerceIndustries
Requirements
Candidates should possess deep credit expertise with 5+ years of experience in credit, underwriting, analytics, or risk roles, ideally in fintech, B2B lending, or corporate cards. Experience with consumer credit is a plus, and strong preference is given to experience in the cards industry. Applicants should also have proficiency in SQL and fluency in financial statement analysis, particularly in the context of SMB/startup businesses, and demonstrate the ability to extract signal from imperfect data and communicate decisions clearly.
Responsibilities
The Credit & Underwriting Strategist will design and refine underwriting methodology, explore alternative underwriting strategies, evaluate and validate new credit signals, lead special projects to expand eligibility criteria and shape underwriting strategy for new products, monitor and assess credit performance through monthly audits and QA processes, drive data-informed decisioning by translating analysis into actionable credit strategy and recommending KPIs, and support audits and compliance by preparing materials for internal and external audits and delivering data diligence for regulatory partners.
Skills
SQL
Financial Statement Analysis
Credit Risk
Underwriting
Data Analysis
Risk Management
Credit Signals Evaluation
Credit Monitoring
Strategic Planning
Mercury
Banking services for startups and founders
About Mercury
Mercury provides banking services specifically designed for startups, regardless of their size or stage of development. Their offerings include free checking and savings accounts, debit and credit cards, and options for domestic and international wire transfers, as well as treasury and venture debt services. The platform is user-friendly, allowing founders to manage their finances with ease. What sets Mercury apart from traditional banks is its focus on the startup community, offering programs that connect founders with valuable resources and advice to help them succeed. The goal of Mercury is to empower startups by providing them with the financial tools and support they need to grow and thrive.
Key Metrics
San Francisco, CaliforniaHeadquarters
2017Year Founded
$146.8MTotal Funding
DEBTCompany Stage
Fintech, Financial ServicesIndustries
1,001-5,000Employees