[Remote] Staff Product Manager - Lending Systems at Mercury

New York, New York, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

FinTech, Finance, LendingIndustries

Requirements

10+ years of product management or aligned experience, with at least 4+ years in lending, credit, or financial systems
Experience building complex systems or platforms from scratch in a fintech or financial services environment
Strong understanding of lending lifecycles (origination, underwriting, servicing, repayment) and associated risk/compliance considerations
Technical fluency; ability to dive deep with engineers while simplifying complexity for business and compliance stakeholders
A systems mindset - seeing lending not just as features but as interconnected flows of data, risk, operations, and customer experience
Proven ability to balance customer empathy with rigorous business, compliance, and operational requirements
Track record of delivering internal platforms or tools that enable speed, scalability, and efficiency across teams
Comfort operating in ambiguity and setting direction in greenfield product areas

Responsibilities

Define the vision, strategy, and roadmap for Mercury’s lending systems and infrastructure
Build the core platform that powers loan origination, underwriting, servicing, and repayment across a range of lending products
Partner with engineering, risk, design, data science, and operations to design scalable systems that balance automation with resilient controls
Establish the technical and product foundations to support new credit and lending products, including decisioning workflows, data integrations, repayment rails, and compliance features
Collaborate with banking partners and internal stakeholders to ensure lending products are regulatory-compliant and operationally sound
Prioritize areas of investment using customer insights, market research, and data-driven decision-making
Set and track success metrics for lending system health, adoption, and customer impact
Create reusable capabilities that amplify the speed and consistency of launching future lending products

Skills

Key technologies and capabilities for this role

Product StrategyRoadmap PlanningLoan OriginationUnderwritingLoan ServicingRisk ManagementComplianceData IntegrationAutomationScalable SystemsDecisioning WorkflowsCustomer Insights

Questions & Answers

Common questions about this position

What experience level is required for this Staff Product Manager role?

The role requires 10+ years of product management or aligned experience, including at least 4+ years in lending, credit, or financial systems.

What key skills are needed for the lending systems product manager position?

Candidates need experience building complex systems from scratch in fintech, strong understanding of lending lifecycles like origination and underwriting, technical fluency, a systems mindset, and ability to balance customer empathy with compliance requirements.

What is the salary or compensation for this position?

This information is not specified in the job description.

Is this a remote position or does it require office work?

This information is not specified in the job description.

What makes a strong candidate for this Staff Product Manager role?

A strong candidate has a track record of delivering internal platforms in fintech, comfort operating in ambiguity and greenfield areas, and experience partnering across engineering, risk, design, and operations to build scalable lending systems.

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.

San Francisco, CaliforniaHeadquarters

2017Year Founded

$146.8MTotal Funding

DEBTCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Health, dental, & vision

Custom equipment setup

401(K) matching

12+ weeks paid parental leave

Book budget

Wellness benefits

Grocery budget

Paid lunch

Personalized callsign

Unlimited vacation policy (with mandatory minimum)

Risks

Mercury's decision to stop serving certain countries may lead to customer loss.

Integration challenges from the Teal acquisition could disrupt services.

Expansion into consumer banking might divert focus from core startup services.

Differentiation

Mercury offers both business and personal banking services, unlike many fintech competitors.

The company provides integrated financial management tools, enhancing startup operational efficiency.

Mercury's Raise program connects startups with investors, mentors, and other founders.

Upsides

Mercury secured a $100 million credit warehouse to expand its credit card business.

The acquisition of Teal enhances Mercury's financial management offerings for startups.

Mercury Personal expands market reach by attracting tech-savvy individuals.

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