Senior Technical Program Manager - Credit & Lending

The posting, as Mercury wrote it

Mercury is building Mercury Bank, N.A., a proposed nationally chartered bank focused on serving ambitious businesses. Credit and lending are central to that mission, and as we migrate our charge card and term loan products to the Bank's own balance sheet and build the next generation of lending infrastructure, we need someone who can hold the full program together.

The Senior Technical Program Manager for Credit and Lending will own end-to-end delivery of the technology programs that power Mercury's charge card, term loan, and adjacent credit products. You will be the connective tissue between Engineering, Product, Risk, Compliance, Treasury, and Operations: setting strategy for how these programs run, surfacing tradeoffs that unblock leaders, sequencing the critical path, and ensuring that what ships is audit-ready from day one.

We are looking for someone who has operated at this level before, in a regulated environment, at scale, with real accountability for outcomes.

*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

What you'll do

Program ownership

• Own the integrated program plan across all active credit and lending workstreams, covering milestones, dependencies, and critical paths across Engineering, Product, Risk, Compliance, Treasury, and Operations.
• Proactively manage sequencing, resourcing tradeoffs, and escalations. When initiatives are off-track, you identify it first and bring a recommended path forward.
• Ensure Compliance, Treasury, and Operations readiness lands alongside product and regulatory milestones
• Drive incident learnings back into design, test coverage, and runbooks so each issue improves the underlying system, not just fixes the symptom.
• Contribute to the overall (proposed) Mercury Bank, NA technical program, collaborating with other TPMs to build a holistic view of progress and risks

Governance and decision-making

• Keep a single source of truth for status, decisions, risks, and owners. Maintain a living RAID log with clear owners and impact assessments.
• Facilitate structured decision-making by surfacing options and tradeoffs to leaders before problems escalate.
• Build and improve the operating systems that drive credit and lending product decisions: planning cycles, reviews, decision frameworks, launch readiness.

Communication and influence

• Produce concise, predictable updates calibrated to the audience.
• Synthesize complex cross-functional information into recommendations that help executives decide and move.
• Produce documentation of program objectives, architecture decisions, and operational impacts that onboards new team members without requiring a meeting to explain it.
• Function as a trusted thought partner to engineering leads, product managers, and senior leadership.

Execution and improvement

• Identify inefficiencies and eliminate them through automation, AI tooling, or proces

[…]
l risks early, and translate complexity for non-technical stakeholders.

• Exceptional written and verbal communication. You write documentation that clarifies hard decisions and build frameworks teams actually adopt.
• Commercial instincts. You understand the financial dynamics of a lending business well enough to evaluate tradeoffs with authority.
• High emotional intelligence. You build trust quickly across engineering, product, risk, and executive stakeholders. You navigate complex interpersonal situations without losing credibility or momentum.

Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role.

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Total Rewards
The total rewards package at Mercury includes base salary, equity (stock options/RSUs), and benefits.

Our salary and equity ranges are highly competitive within the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry. New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers.

Our target new hire base salary ranges for this role are the following :

US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area:
$180,200 — $225,200 USD

US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area:
$162,200 — $202,700 USD

Canadian employees (any location)

$170,300 — $212,800 CAD