---
title: 'Senior Technical Program Manager - Credit & Lending at Mercury'
canonical: 'https://feeny.ai/job/senior-technical-program-manager-credit-lending-mercury-san-francisco-ca-new-dphrdn3s6r9t'
type: 'job'
last_seen: '2026-09-13'
---

# Senior Technical Program Manager - Credit & Lending at Mercury

- **Company:** Mercury
- **Location:** San Francisco CA New York NY Portland OR OR Within Canada OR, United States
- **Compensation:** $162k–$225k
- **Work type:** remote
- **Posted:** 2026-09-11
- **Last confirmed live:** 2026-09-13
- **Apply:** https://job-boards.greenhouse.io/mercury/jobs/6190280004

## Job description

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 process redesign.
- Lead technical retrospectives and post-mortems, ensuring learnings are systematized rather than forgotten.

What we're looking for:

## Experience

- 10+ years of program management or technical program management in a high-growth or regulated environment.
- Direct experience in financial services, fintech, or credit infrastructure. Compliance, audit, reporting and risk management obligations are familiar territory.
- Track record of operating at the department or business level, owning programs with multiple concurrent workstreams and cross-functional accountability.
- Proven ability to communicate with and influence executive stakeholders, in writing and in high-stakes meetings, without a senior manager to translate.
- Bonus: Familiarity with the lending tooling ecosystem such as loan origination, credit risk management and lending management systems.

## How you work

- Product-first. You evaluate everything through: what is the user problem, what is the fastest path to learning, what actually moves the needle.
- AI-native. You use AI tools to do your actual work. You have built workflows or tooling that changed how your team operates. When you see a repetitive process, you automate it.
- Comfortable in ambiguity. You build structure where there is none.
- Systems thinker. You see dependencies, second-order effects, and points of failure before they surface, and you build programs that account for them.
- Energized by building and operating. You do your best work designing the system and running it well once it is built.

What you bring:

- Technical fluency. You can understand and challenge engineering decisions, identify technical 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.

## #LI-BF1

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

## About Mercury

## Company Overview
- **One-liner**: Mercury provides banking and financial workflow solutions for startups and ambitious companies.
- **Entity Type**: Private (venture-backed)
- **Headquarters**: San Francisco, California, USA (offices also in New York, NY and Portland, OR)
- **Founded**: Not publicly available
- **Founders**: Not publicly available

## Core Business
- **Primary industry/industries**: Fintech, Business Banking, Financial Operations
- **Target customers**: B2B – primarily startups and growing companies
- **Mission or purpose statement**: “Transformative banking for ambitious entrepreneurs” – making banking better and simplifying financial operations so businesses can focus on growth.

## Products & Services
- **Mercury Banking**: A powerful business bank account (checking, savings, debit and credit cards) that serves as the nucleus of financial operations. (Service)
- **Bill Pay & Spend Management**: Tools to pay bills, send invoices, monitor spending, and understand cash flow – all from one platform. (SaaS/Service)
- **Financial Operations Platform**: Integrates payments, invoices, bill pay, cash flow monitoring, and spend management into a single dashboard. (SaaS)

## Market Standing
- **Valuation/Market Cap**: Not publicly available
- **Key Metric**: Over 200,000 startups use Mercury; employees count exceeded 1,000 (950+ as of one source, 919 U.S.-based employees reported by Great Place to Work).
- **Notable Investors/Partners**: Backed by top-tier venture capitalists (specific names not disclosed in available sources). Banking services provided through Choice Financial Group, Column N.A., and Evolve Bank & Trust (Members FDIC).
- **Growth Signals**: 
  - Within days of Silicon Valley Bank’s failure (March 2023), Mercury picked up more than $2 billion in deposits and retained 92% of those customers six months later.
  - Recognized on Fortune’s Best Medium Workplaces 2023 (ranked 16th), Forbes Fintech 50, and Fast Company’s Most Innovative.
  - 96% of employees say Mercury is a great place to work (Great Place to Work certified).

## Competitive Advantages
- **All-in-One Financial Hub**: Combines banking, payments, bill pay, and spend management in one platform, reducing the need for multiple tools.
- **Startup-First Design**: Built specifically for high-growth companies, with features that scale from early stage to established enterprise.
- **High Customer Retention**: Proven stickiness after the SVB crisis demonstrates strong trust and product-market fit.
- **Top-Tier Backing and Recognition**: Endorsed by leading investors and media, reinforcing credibility.

## Strategic Focus
- **Product Expansion**: Continuing to build out financial workflows (bill pay, spend management) to become the single source of truth for business finance.
- **AI Integration**: Hiring for roles like Senior Machine Learning Operations Engineer, AI Engineering, and Model Risk Manager – indicating a push to embed AI/ML into products and internal processes.
- **Remote-First Talent**: Embracing a remote-first culture with physical offices in SF, NY, Portland, and hiring across the US and Canada.

## Why Work Here
- **Culture & Values**: Emphasizes “build relentlessly,” “think actively,” “be super helpful,” and “act with humility.” Employees report a strong sense of purpose and collaboration.
- **Remote & Hybrid Flexibility**: Remote-first with optional in-office hubs. Open roles are listed as “Any office or remote” in the US and Canada.
- **Benefits Package**:
  - Health, dental, vision insurance
  - 12+ weeks paid parental leave
  - $600 custom work-from-home equipment setup
  - Annual $1,000 learning & development budget
  - Paid 6-week sabbatical after 5 years
  - Weekly $100 food budget
  - Monthly $100 wellness budget
  - Monthly $50 cellphone reimbursement
  - Unlimited vacation (with mandatory minimum)
  - 401(k) matching up to 4% of base salary
  - Inclusive fertility and family-forming benefits (Carrot Fertility)
  - Pet-friendly offices with free lunch, snacks, and beverages
- **Growth Opportunities**: 950+ employees (as of one source) and growing; strong commitment to career development and high-impact work.
- **Diversity & Inclusion**: Stated priority to embrace every individual and provide tools for great work.

## Sources
1. [mercury.com/jobs](https://mercury.com/jobs) – Benefits, culture, open roles
2. [mercury.com/about](https://mercury.com/about) – Company overview, values, press mentions, Forbes quote
3. [job-boards.greenhouse.io/mercury](https://job-boards.greenhouse.io/mercury) – Current job listings
4. [linkedin.com/company/mercuryhq/jobs](https://www.linkedin.com/company/mercuryhq/jobs) – LinkedIn jobs page
5. [greatplacetowork.com/certified-company/7025113](https://www.greatplacetowork.com/certified-company/7025113) – Employee satisfaction certification, headcount

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