Underwriting & Servicing Operations Manager - Cards

Mercury is hiring an Underwriting & Servicing Operations Manager to scale the operational layer across our credit card products. This role sits at the intersection of underwriting, portfolio management, and collections - bringing structure, clear metrics, and disciplined management to operations that are already running well but growing fast.

As Mercury's credit portfolio grows, so will the scope of this function. The person in this role will be accountable for the health and performance of these operations today, and for building the management infrastructure that can support what comes next. You'll have a direct impact on growth, loss rates, customer outcomes, headcount efficiency, and our bank charter.

*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

Underwriting & Servicing Operations

• Own the end-to-end operational layer across our IO credit product variants, including manual workflows, document collection, credit bureau pulls, and application throughput.

• Lead a team underwriting businesses using corporate financial statements, bank accounts, bureau data, and internal data

• Bring consistency and rigor to underwriting processes across the team, reducing variance in how decisions are made and documented.

• Monitor pipeline health and manage operational bottlenecks; identify improvements that reduce manual burden and increase throughput.

• Partner with Product, Engineering, Data Science, and Legal/Compliance as the operational lead, grounding tooling investment requests in real throughput data.

• Define and own the KPI framework for underwriting operations: establish what healthy approval rates, turnaround times, and application quality look like - and drive improvement against those targets.

• Lead credit memo and app

Department: Credit