Senior Credit Analyst

Mercury·San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States·Remote·Posted 13 November 2026

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About the role

Mercury is building a complete finance stack for startups. We work hard to create the easiest and safest banking* experience possible to simplify our customer’s financial lives whether they are entrepreneurs, business owners, or individuals. Mercury has also obtained a provisional national bank charter and is currently taking proactive steps for final approval. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. This role is responsible for operating the daily underwriting process for Mercury’s commercial charge card program, including credit decisioning for new manual underwrites, monitoring and re-underwriting for existing customers, and shaping credit policy and procedure. In this role, you will: Complete the underwriting of new card applications, documenting a clear and defensible rationale for each decision. Own the daily operations of portfolio monitoring and re-underwriting process for existing card customers, identifying risk changes early and recommending action. Develop and iterate the documentation for underwriting and ongoing monitoring procedures so decisions stay consistent,…

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