Senior Technical Program Manager - Credit & Lending

Mercury; San Francisco, New York, Portland (CA, NY, OR); Hybrid; USD 162,000 - 203,000; Full time

Benefits offered by this job

Equity

Benefits

Job summary

Mercury is building Mercury Bank, N.A. to power ambitious businesses with credit and lending focused technology.

The Senior Technical Program Manager will own end-to-end delivery of credit and lending technology programs, coordinating Engineering, Product, Risk, Compliance, Treasury, and Operations to set strategy, sequence work, and ensure audit-ready outcomes from day one. We seek someone who has operated at this level in regulated and scale environments, delivering tangible results and owning

Qualifications

• 5+ years of program management or TPM in a regulated or high-growth environment.
• Direct experience in financial services, fintech, or credit infrastructure.
• Proven ability to influence executives and manage multiple workstreams.

Responsibilities

• Own end-to-end delivery of credit and lending programs across Engineering, Product, Risk, Compliance, Treasury, and Operations.
• Manage sequencing, resourcing tradeoffs, and escalations to keep programs on track.
• Ensure audit-ready readiness aligns with product and regulatory milestones.
• Drive incident learnings into design, tests, and runbooks to improve the system.
• Collaborate with TPMs to maintain a holistic view of progress and risks.

Skills

Program management in fintech

Executive stakeholder communication

Cross-functional leadership

Regulatory/compliance awareness

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 escalates.
• 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