工程经理 - 信用卡
Engineering Manager - Credit Cards
信用的概念早于货币本身。在古巴比伦，人们用泥板记录粮食和银子的贷款，包括利率、还款条款、抵押品以及见证人的名字。这些早期系统将信任转化为可持久和可转让的东西，使人们在没有实际资源之前就能投资农作物、企业和贸易。近四千年后的今天，信用仍然发挥着相同的基本作用：让人们和企业基于明天的偿还能力，今天就采取行动。现在，人们不再使用银子——他们使用Mercury。
现代信用卡让这种承诺显得即时，但其背后的系统却远非简单。每笔交易都处于实时授权、信用风险、账户服务、还款、利息、奖励、争议和监管的交汇点。客户希望信用卡能在任何地方立即使用，同时信任他们的账户余额准确、付款正确应用，并且在最需要的时候能获得资金。
在Mercury，信用卡是有抱负的公司管理支出和获取资金的重要组成部分。信用卡团队构建并运营支持这一体验的特定于信用的系统——从信用账户的创建和生命周期管理，到余额、对账单、付款、利息、逾期以及确保产品安全合规的控制措施。随着Mercury扩展其信用产品并寻求银行牌照，这个团队将帮助定义一个现代、符合银行标准的信用平台应该是什么样子。
我们正在寻找一位经验丰富的工程领导者，带领信用卡团队进入下一阶段的发展。此人将领导工程师们构建Mercury信用卡平台的基础，深入掌握复杂的金融领域，并与产品、风险、合规、运营和财务紧密合作。他们不仅负责今天交付出色的信用产品，还要构建系统和团队，使Mercury的信用能力在未来多年持续发展。
**作为该职位的一部分，您将：**
- 领导一个由7名以上后端和全栈工程师组成的团队
- 招聘、指导并留住各经验水平的高性能工程师
- 在支付通道组扩展时协助塑造组织结构
- 指导组内有潜力的领导者
- 推动公司在预定时间内有效执行
查看英文原文
The idea of credit predates coinage itself. In ancient Babylon, loans of grain and silver were recorded on clay tablets, complete with interest rates, repayment terms, collateral, and the names of witnesses. These early systems turned trust into something durable and transferable, allowing people to invest in crops, businesses, and trade before they had the resources in hand. Nearly four thousand years later, credit still serves the same fundamental purpose: giving people and businesses the ability to act today based on what they can repay tomorrow. Now, people aren’t using silver—they are using Mercury.
Modern credit cards make that promise feel instantaneous, but the systems behind them are anything but simple. Every transaction sits at the intersection of real-time authorization, credit risk, account servicing, repayment, interest, rewards, disputes, and regulation. Customers expect credit to work everywhere, immediately, while trusting that their account balance is accurate, their payments are applied correctly, and their business has access to capital when it matters most.
At Mercury, credit cards are an essential part of how ambitious companies manage spending and access capital. The Credit Card team builds and operates the credit-specific systems behind that experience—from credit account creation and lifecycle management to balances, statements, payments, interest, delinquency, and the controls that keep the product safe and compliant. As Mercury expands its credit offerings and pursues a bank charter, this team will help define what a modern, bank-grade credit platform should look like.
We’re looking for a seasoned engineering leader to guide the Credit Card team through its next stage of growth. This person will lead the engineers building the foundation of Mercury’s credit card platform, develop deep expertise across a complex financial domain, and partner closely with Product, Risk, Compliance, Operations, and Finance. They will be responsible not only for delivering excellent credit products today, but also for building the systems and team that will allow Mercury’s credit capabilities to evolve for years to come.
**As part of this role, you will:**
- Lead a team of 7+ backend and full-stack engineers
- Hire, mentor, and retain high-performing engineers across experience levels
- Help shape the organization structure as the payment rails group scales
- Coach emerging leaders inside of the group
- Drive predictable execution against company and product goals
- Foster a healthy, engaging, and high-performing team environment
- Uphold a high bar for technical quality, reliability, and system stability
- Align engineering work with Mercury’s values and long-term strategy
- Partner closely with product and design to identify and prioritize high-impact work
- Collaborate across teams to build cohesive products and simpler, more maintainable systems
- Balance new development with ongoing maintenance and operational excellence
**The ideal candidate for the role:**
- Has 5+ years of experience managing software engineering teams at multiple organizations (experience leading remote-first, distributed teams is a plus)
- Has been hired as an external manager previously and knows how to gain domain knowledge to have positive impact quickly
- Experience operating in high-responsibility/high-impact domains
- Comfortable with ambiguity and growing scope
- Track record of leading through cross-functional and cross-team coordination
- Brings strong technical judgment and credibility: you’ll interview at a similar technical depth as senior ICs
- Is familiar with our tech stack (especially Haskell), or excited to learn it
- Has experience in finance, fintech, or banking* systems (credit card experience is a plus)
If this role interests you, we invite you to explore our public demo at demo.mercury.com.
_*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC._
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.
**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):
$239,000—$298,800 USD
Canadian employees (any location):
$225,900—$282,400 CAD