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Salary: USD 200,700 - 250,900 / annual
Mercury is a fintech platform serving startups and technology companies with banking, treasury, and financial workflow solutions. The company is launching its first consumer credit card and seeking a Senior Product Manager to own the entire credit card product from conception through growth.
You will define and ship Mercury's consumer credit card, taking it from zero to launch and scaling it from an initial cohort into a full portfolio. Your scope encompasses the complete credit account experience: the acquisition and application funnel, approval experience, underwriting decisions, credit line management over time, rewards structure, and day-to-day cardholder experience.
Key responsibilities include:
- Building a card that customers choose to carry and recommend organically
- Shepherding the card from concept to launch, including program setup and compliance approval
- Designing the clearest and fastest approval experience in the category, owning the application flow, wait time, and decision communication
- Owning the customer experience of credit line management: increases that feel earned, decreases that are explained
- Defining the complete value proposition: rewards, redemption, pricing, and underlying economics
- Setting high craft standards across copy, disclosures, latency, empty states, and micro-interactions
- Identifying opportunities to deploy AI meaningfully (spend categorization, proactive problem detection)
- Making correctness and trust core product features: owning balances, interest calculations, minimum payments, and statement reconciliation
- Driving business growth through acquisition, activation, retention, and compounding loops, leveraging Mercury's existing customer base
- Aligning cross-functional teams (engineering, design, data, risk, compliance, legal, marketing, support, partners) around a cohesive card strategy
Requirements:
- 6+ years building consumer products, with at least one where money moved and errors carried real cost
- Demonstrated taste in consumer product: you have launched products people chose to use and can articulate the decisions that made them work
- Fluency in credit fundamentals (approval rates, line assignment, vintage curves, charge-off, interchange, rewards liability) or proven ability to acquire this knowledge rapidly
- Exceptionally high bar for craft; customer-centered, data-driven, and experimentation-oriented approach
- Shipped AI-led products to real consumers; clear-eyed about AI's possibilities and limitations
- Exceptional cross-functional collaboration skills across engineering, design, data, risk, compliance, and external partners
- Sound judgment in regulated environments: ability to balance delightful UX with necessary controls and compliance requirements
- Nice to have: card issuing, lending, or payments experience; familiarity with Regulation Z and the CARD Act
About Mercury
Fintech — banking, treasury, and financial workflow platform for startups and technology companies.
