Remote opportunity at
MercurySenior Credit Analyst
Mercury seeks a remote Senior Credit Analyst to manage the day-to-day underwriting operations for its commercial charge card program. The company operates as a fintech enterprise…
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About This Role
Mercury seeks a remote Senior Credit Analyst to manage the day-to-day underwriting operations for its commercial charge card program. The company operates as a fintech enterprise creating financial products for startups, entrepreneurs, and business owners, and holds a provisional national bank charter while offering banking services through partner institutions. This position focuses on evaluating new card applications, conducting ongoing portfolio reviews, shaping internal credit policies, and coordinating escalations. The professional…
Job Description
Mercury seeks a remote Senior Credit Analyst to manage the day-to-day underwriting operations for its commercial charge card program. The company operates as a fintech enterprise creating financial products for startups, entrepreneurs, and business owners, and holds a provisional national bank charter while offering banking services through partner institutions.
This position focuses on evaluating new card applications, conducting ongoing portfolio reviews, shaping internal credit policies, and coordinating escalations. The professional chosen will analyze financial data, collaborate with internal teams such as Customer Success and Risk, and maintain audit-ready documentation for all decisions. Compensation includes base salary, equity, and benefits, with geographic-specific salary tiers established for the United States and Canada.
Responsibilities
- Underwrite new card applications and document clear reasoning for each choice
- Oversee daily portfolio monitoring and re-underwrite existing cardholders
- Create and update documentation for ongoing review and underwriting procedures
- Support internal teams including Sales, Customer Success, and Risk and Compliance with account inquiries
- Manage escalation workflows for complex or exception cases
- Analyze application and portfolio data to suggest updates to credit policies
Requirements
- Prior employment at a bank or fintech company dealing with highly regulated financial products
- Proficiency in credit analysis, including financial statement evaluation alongside cash and revenue-based underwriting techniques
- Capacity to make sound, defensible judgments under conditions of uncertainty without taking on excessive risk
- Analytical curiosity focused on investigating underlying data patterns and hidden trends
Qualifications
- Familiarity with data analysis instruments such as SQL or Python
Core Skills
Benefits
- Base salary
- Equity including stock options and RSUs
- Additional benefits aligned with SaaS and fintech industry standards
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
Is this position remote?
Yes, the source posting designates this role as remote.
What is the salary range for this job?
The base salary depends on location. For US employees in NYC, Los Angeles, Seattle, or the San Francisco Bay Area, the range is $142,900 to $160,700 USD. For other US locations, it is $128,600 to $144,600 USD. For Canadian employees, the range is $135,000 to $151,900 CAD.
What qualifications are preferred?
Experience working with data analysis instruments like SQL or Python is listed as a nice-to-have qualification.
Sample Interview Questions
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