167K–299K USD / year
Senior Data Scientist - Credit and Lending ML
Machine learningWorkplace — US, Canada
Published on 2026-11-04
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About this role
Build and own the machine-learning inference layer for Mercury’s small-business lending program. Turn financial data into reliable views of business health, deploy models with monitoring and documentation, and partner with Credit and Product on underwriting and lending decisions.
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
- Build models for transaction classification, cash-flow detection, revenue estimation, forecasting, and anomaly detection
- Transform bank transactions and sales data into defensible assessments of business health
- Deploy production models with observability, monitoring, and tests
- Partner with Credit on underwriting policy, data requests, and uncertainty measurement
- Partner with Product on loan sizes, pricing, and repayment terms
- Assess where predictive modeling can improve underwriting
- Set technical standards for machine learning in Credit
What we're looking for
- 3+ years building machine-learning models, including at least 1 year in lending or credit algorithms
- Professional exposure to deep-learning or transformer models
- Strong Python skills and experience with production-grade services
- Strong SQL skills and data-warehouse experience
- Able to explain models to credit officers, validators, product managers, and engineers
- Able to set modeling standards for data-science colleagues
- Quantitative degree or equivalent experience
Nice to have
- Experience modeling bank transaction data
- Small-business lending or business credit-card experience
- Experience with revenue-based financing, merchant cash advances, or similar products
Benefits
- Equity (stock options or RSUs)