高级产品经理 - 企业贷款
Senior Product Manager - Business Lending
在1906年地震和火灾摧毁了旧金山大部分地区之后，城市的银行都关闭了，他们的金库在数周内都无法打开。而经营着小型意大利银行的阿马迪奥·吉安尼尼却采取了相反的做法。他在码头上搭起了一张临时办公桌，用两桶酒桶架起一块木板，开始发放贷款。他的大多数客户都是店主、渔民和手工艺人，他们失去了所有东西，包括任何能证明他们身份的文件。因此，吉安尼尼仅凭签名和握手就提供了贷款，他相信眼前的人。这些贷款帮助城市一块一块地重建起来，据说每笔贷款都如故事所说，最终都被偿还了。
这就是商业贷款的承诺：公平且快速地为有意愿和计划去创造价值的人提供资金。一个多世纪后，仍有太多成长中的企业遭遇类似“关闭的金库”：流程缓慢、决策不透明，以及来得太晚而无法产生影响的文件。
在Mercury，我们正在打造借贷产品，让成长中的企业能够快速、公平、透明地获得资金，在关键时刻能够说“是”。我们正在寻找一位高级产品经理，全面负责该产品的开发。你将结合敏锐的产品直觉与对企业家的真实同理心，与风险、设计、数据科学、工程和运营团队紧密合作，打造出既负责任又真正令人愉悦使用的产品。
*Mercury是一家金融科技公司，不是FDIC保险的银行。银行业务通过Choice Financial Group和Column N.A.提供，均为FDIC成员。
你将负责：
- 全面负责Mercury企业贷款产品系列的愿景、策略和路线图
- 主导整个客户旅程——资格审核与发现、申请、授信与决策、放款、服务和还款
- 与风险和数据科学团队合作，设计平衡速度与审批率的授信和决策体验，同时确保良好的信用和合规控制
- 与设计和工程团队合作，使申请过程对企业家来说既轻松又透明、值得信赖
- 与银行合作伙伴、法律和合规团队协作，确保产品符合监管要求并具备操作可行性
- 定义并建立关键指标：转化率、审批和拒绝率、放款时间、损失表现、还款健康状况和客户满意度，并据此进行优先级排序
- 利用客户洞察、市场调研和数据来决定要构建什么
查看英文原文
In the days after the 1906 earthquake and fire destroyed most of San Francisco, the city's banks stayed shut, their vaults too hot to open for weeks. Amadeo Giannini, who ran the small Bank of Italy, did the opposite. He set up a makeshift desk on the wharf, a plank laid across two barrels, and began lending. Most of his customers were shopkeepers, fishermen, and tradespeople who had lost everything, including any papers proving who they were. So Giannini lent on a signature and a handshake, betting on the people in front of him. Those loans helped rebuild the city block by block, and, the story goes, every one of them was paid back.
That's the promise of a business loan: capital, offered fairly and fast, to people with the will and the plan to build something. More than a century later, too many growing businesses still hit a version of the closed vault: slow processes, opaque decisions, and paperwork that arrives too late to matter.
At Mercury, we're building lending products that give growing businesses fast, fair, transparent access to the capital that lets them say yes when it counts. We're looking for a Senior PM to own this product end-to-end. You'll blend sharp product instincts with real empathy for business owners, partnering closely with risk, design, data science, engineering, and operations to ship a product that is both responsible and genuinely delightful to use.
*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:
- Own the vision, strategy, and roadmap for Mercury's business lending product suite
- Drive the end-to-end customer journey — eligibility and discovery, application, underwriting and decisioning, funding, servicing, and repayment
- Partner with risk and data science to design underwriting and decisioning experiences that balance speed and approval rates with sound credit and compliance controls
- Work with design and engineering to make the application feel effortless, transparent, and trustworthy for business owners
- Collaborate with banking partners, legal, and compliance to ensure the product is regulatory-compliant and operationally sound
- Define and instrument the metrics that matter: conversion, approval and decline rates, time-to-funding, loss performance, repayment health, and customer satisfaction — and use them to prioritize
- Use customer insight, market research, and data to decide what to build next, and make crisp tradeoffs between scope, risk, and speed
- Partner with marketing, sales, and support to launch the product and bring it to the right customers at the right moment
What You Bring:
- 7+ years of product management or aligned experience, with at least 2+ years in lending, credit, payments, or another regulated financial domain
- Experience of building and scaling lending businesses
- A strong grasp of the lending lifecycle: origination, underwriting, servicing, and repayment , and the risk and compliance considerations that come with it
- Proven ability to ship AI-first and iterate on customer-facing products that solve real problems for users
- Technical fluency: comfort partnering deeply with engineers and data scientists while translating complexity for business, risk, and compliance stakeholders
- Strong customer empathy paired with the rigor to balance growth against credit, compliance, and operational realities
- A track record of using data and experimentation to drive decisions and measurable outcomes
- Comfort operating with ambiguity and setting direction in a fast-moving, greenfield product area
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 (any location):
$200,700—$250,900 USD
Canadian employees (any location):
$189,700—$237,100 CAD