Consumer Credit Lead - Cards
About the role
Build and scale the underwriting foundation for our new consumer charge card (0→1).
Mercury is building a banking stack for startups. We work hard to create the easiest and safest banking experience possible to simplify entrepreneurs' and business owners' financial lives.
We're launching a premium consumer charge card and are looking for a senior credit risk leader to help build and scale the underwriting strategy from the ground up - and own its performance as the portfolio scales.
Our goal is to build a consumer charge card that delivers a premium experience while maintaining disciplined, data-driven credit risk.
This is a hands-on, senior individual contributor role. 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.
You'll play a key role in shaping how risk decisions translate into customer experience, product growth, and long-term portfolio performance.
As the portfolio grows, this role is expected to evolve into team leadership.
What You'll Own:
Build and operationalize the credit strategy
- Translate underwriting vision into formal credit policy and decision frameworks
- Define underwriting criteria and approval decisions