高级技术项目经理 - 信用与借贷
Senior Technical Program Manager - Credit & Lending
Mercury 正在打造 Mercury Bank, N.A.，这是一家拟议的全国性特许银行，专注于服务有抱负的企业。信贷和贷款是其核心使命，随着我们将信用卡和定期贷款产品迁移至银行自身的资产负债表，并构建下一代贷款基础设施，我们需要一位能够统筹整个项目的人员。
信贷与贷款高级技术项目经理将负责推动 Mercury 信用卡、定期贷款及相关信贷产品的技术项目全流程交付。你将成为工程、产品、风控、合规、资金和运营之间的纽带：制定这些项目的运行策略，揭示阻碍领导层决策的权衡点，安排关键路径，并确保所交付的内容从第一天起就具备审计合规性。
我们寻找的是曾在受监管环境中，在大规模场景下，对结果有实际责任的人。
*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：
项目管理
- 统筹所有活跃的信贷和贷款工作流的集成项目计划，涵盖里程碑、依赖关系和跨工程、产品、风控、合规、资金和运营的关键路径。
- 主动管理优先级、资源权衡和升级问题。当项目偏离轨道时，你将首先发现问题并提出可行的解决方案。
- 确保合规、资金和运营准备与产品和监管里程碑同步完成。
- 将事故学习成果带回设计、测试覆盖率和操作手册中，使每次问题都提升系统基础架构，而不仅仅是解决表面症状。
- 参与整体（拟议）Mercury Bank, N.A. 技术项目，与其他 TPM 协作，建立对进展和风险的全面视角。
治理与决策
- 维护一个单一的真实信息源，包含状态、决策、风险和负责人。维护一份实时的 RAID 日志，明确责任人和影响评估。
- 在问题升级前，通过呈现选项和权衡点来促进结构化决策。
- 建立并改进驱动信贷和贷款产品决策的操作系统：计划周期、评审、决策框架、发布准备度。
沟通与影响力
- 产出简洁、可预测的更新内容，根据受众进行校准。
查看英文原文
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.
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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 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