Consumer Credit Lead - Cards

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. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. What You’ll Own: Build and operationalize the credit strategy Translate underwriting vision into formal credit policy and decision frameworks Define approval logic, segmentation strategy, and limit-setting methodology Establish portfolio guardrails aligned to loss targets and unit economics Design account management strategies across the customer lifecycle Develop early portfolio management approaches including exposure adjustments, servicing strategies, and input into collections processes as the portfolio matures Define portfolio monitoring frameworks and escalation triggers for emerging credit risk trends Build the data-driven risk engine Implement credit policy in our underwriting platform Evaluate and integrate key data sources (bureau, income, debt