129K–161K USD / year
Senior Credit Analyst
OtherWorkplace — United States, Canada
Published on 2026-11-13
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About this role
Operate underwriting and portfolio monitoring for Mercury’s commercial charge card program. Assess new applications and existing customers, document defensible decisions, and help refine credit policy and procedures.
About the company
Mercury provides banking and financial software for startups, combining business accounts, cards, and money-management tools designed for venture-backed companies.
What you'll do
- Underwrite new card applications and document decision rationales
- Monitor and re-underwrite existing card customers, identifying changing risks
- Maintain clear, auditable underwriting and monitoring procedures
- Support Customer Success, Sales, and Risk/Compliance with account requests and product-fit recommendations
- Coordinate escalations for complex or exception cases
- Use application and portfolio analysis to inform credit policy improvements
What we're looking for
- Experience with regulated financial products at a fintech or bank
- Strong credit analysis skills, including financial statement analysis
- Comfort with cash- and revenue-based underwriting
- Sound judgment under uncertainty and ability to make defensible credit decisions
- Analytical curiosity and ability to identify patterns and investigate data
Nice to have
- Experience with SQL and/or Python
Benefits
- Equity (stock options/RSUs)
- Benefits