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Senior Product Manager - Consumer Credit Card

Mercury· Product
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Hybrid (San Francisco, NY, Portland, remote (Canada/US))$200.7k - $250.9kfull-timePosted 2w ago

About the role

Mercury is building its first consumer credit card. The Senior Product Manager will define, ship, and grow the card from a first cohort into a portfolio, owning the end-to-end credit account experience including acquisition, application, approval, underwriting, line management, rewards, and day-to-day experience.

Responsibilities

  • Build a card people put at the front of the wallet and recommend without being asked
  • Take the card from zero to launch: decide what ships first, and carry it through program setup and compliance sign-off
  • Make the approval the clearest and fastest in the category: underwriting owns the model, you own the application, the wait, and the answer
  • Own how customers experience their line: an increase that feels earned, a decrease that is explained
  • Own the proposition we take to customers, from rewards and redemption to pricing, and understand the economics that fund it
  • Set the craft bar: copy, disclosures, latency, empty states, and overall polish
  • Drive the use of AI to improve the experience in meaningful ways
  • Make correctness and trust product features: own balances, interest, minimum payments, and statements that reconcile
  • Grow the business: own acquisition, activation, retention, and compounding loops for Mercury’s existing businesses
  • Align the ecosystem: coordinate engineering, design, data, risk, compliance, legal, marketing, support, and partners behind a cohesive card plan

Qualifications

  • 6+ years building consumer products, including at least one where money moved and errors were expensive
  • Fluency in credit, or ability to acquire it quickly (approval rates, line assignment, vintage curves, charge-off, interchange, rewards liability)
  • Exceptional cross-functional collaboration across engineering, design, data, risk, compliance, and partners
  • Sound judgment in a regulated environment balancing user experience with necessary controls
  • Customer-centered, data-driven, and experimentation-oriented approach
  • Shipped AI-led products to real consumers with informed opinions on AI capabilities and limitations
  • Nice to have: card issuing, lending, or payments experience; familiarity with Reg Z and the CARD Act
  • Experience shipping products that require collaboration across multiple stakeholders

Skills

Required:Product ManagementCredit/Underwriting Knowledge

Benefits

  • Total rewards package includes base salary, equity (stock options/RSUs), and benefits
  • Competitive compensation with location-based ranges
  • Support for diversity and accommodations in recruitment
Last updated Oct 7, 2026. Interested? Apply on the company site.
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About Mercury

Online Business Banking For Startups & Small Businesses | Financial Workflows

Powerful banking. Simplified finances. Apply in 10 minutes for business banking that transforms how you operate.

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