[Hiring] Senior Credit Operations Analyst @Mercury

Role Description

Mercury is a financial technology company building banking products for ambitious businesses. We are looking for an operator who understands the weight of documentation and controls as we transition from fintech to a regulated institution.

This is a hands-on, senior individual contributor role that is expected to evolve into a team leadership position as Mercury's lending program grows.

What you will do

• Own loan booking, quality control, disbursements, payoffs, lien tracking, and reconciliation.
• Design and implement a formal quality control function between underwriting approval and loan booking.
• Build scalable, bank-grade workflows for each stage of the loan servicing lifecycle.
• Design operational infrastructure for Standby Letters of Credit.
• Translate operational requirements into system specifications, test plans, and user acceptance criteria.
• Establish procedural documentation, SLAs, and control frameworks.
• Build and maintain loan tapes and operational reporting across the portfolio.
• Contribute to standing up the broader credit program ahead of bank launch.

Qualifications

• 5+ years of experience across banking, fintech, or private credit operations.
• 2+ years of experience in credit operations or loan servicing is preferred.
• Strong written communication skills.
• Experience owning core servicing workflows.
• Experience translating operational requirements into system specifications.
• Prior experience working in full-cycle credit management is a plus.
• SQL and data skills are useful but not required.

Requirements

• Comfortable building in ambiguity and operating in a 0-to-1 environment.
• Precise in documentation, ensuring clarity for operators and examiners.
• Resourceful, using AI tools to draft, automate, and scale output.
• Collaborative, stepping into gaps and working with a team-first mentality.

Benefits

• Base salary and equity (stock options).
• Highly competitive salary and equity ranges within the SaaS and fintech industry.
• Target new hire base salary ranges for this role:
• US employees in New York City, Seattle, Los Angeles or San Francisco: $132,400 - $165,500.
• US employees outside of New York City, Seattle, Los Angeles or San Francisco: $119,200 - $149,000.

Company Description

Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs.