Join Mercury as a Senior Credit Analyst to manage underwriting processes for our commercial charge card program.
Posted by employer 1 day ago
First seen on Joblaze 1 day ago
Last verified on the company career page 1 day ago
What you'll build
- Complete the underwriting of new card applications
- Own the daily operations of portfolio monitoring
- Develop and iterate documentation for underwriting procedures
- Provide internal support to Customer Success, Sales and Risk/Compliance
- Coordinate escalation workflows
Must have
- Experience at a fintech or bank working with highly regulated financial products
- Strong credit analysis toolbox including financial statement analysis
Nice to have
- Experience working with data analysis tools including SQL and/or Python
Not disclosed in this posting: years of experience, visa sponsorship.
Benefits
Joblaze summary
The Senior Credit Analyst at Mercury manages the daily underwriting process for the company's commercial charge card program, focusing on credit decisioning and ongoing portfolio monitoring. Key skills include financial statement analysis and familiarity with cash and revenue-based underwriting, with an emphasis on sound judgment and analytical curiosity. This role is ideal for someone with experience in fintech or banking, particularly in regulated environments, who can navigate complex credit scenarios. Mercury is in a growth phase, having secured a provisional national bank charter.
Joblaze insights
- Listed yesterday — first seen on Joblaze November 14, 2026. Last confirmed on Mercury's careers page November 14, 2026.
- Salary band is in line with the typical range for comparable tech roles (median ~$130,000).
- Starts above 27% of 1281 comparable senior other roles in United States we track (median $143,000 across 186 companies).
Quick facts
- Is the Senior Credit Analyst role remote?
- It's hybrid — Mercury expects some on-site time in San Francisco, CA, United States.
- What's the salary range?
- Mercury lists $128,600–$160,700 for this role.
- Where is the role based?
- Mercury is hiring for this position in San Francisco, CA, United States.
- What seniority level is this role?
- Mercury targets senior candidates for this position.
- Is this full-time or contract?
- Full-time for this Senior Credit Analyst role at Mercury.
From the original posting
Mercury is building a complete finance stack for startups. We work hard to create the easiest and safest banking* experience possible to simplify our 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.
In this role, you will:
- 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 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.
You should:
- Have experience at a fintech or bank working with highly regulated financial products
- Have a strong credit analysis toolbox including financial statement analysis and are comfortable working with cash and revenue based underwriting methods.
- Apply sound judgment under uncertainty. You make defensible decisions without over exposing the business to undue risk.
- Have analytical curiosity. You dig into the why behind the data, spot patterns across applications and accounts, and ask what the numbers do not show.
Nice to have:
- Experience working with data analysis tools including SQL and/or Python
#LI-AR1
Total Rewards
The total rewards package at Mercury includes base salary, equity (stock options/RSUs), and benefits.
Standard company text repeated across Mercury's postings is omitted here.