When Florence Nightingale arrived at the British Army hospital in Scutari in 1854, soldiers were dying at ten times the rate of battlefield casualties, not from wounds but from a total breakdown in operations. She built all of it: independent supply chains, laundry and kitchen operations, patient tracking systems, and evidence-based documentation she later used to drive reforms before a Royal Commission. The mortality rate fell from over 40% to 2%. Her work did not just save lives at Scutari. It created modern nursing, reshaped hospital design worldwide, and proved that reliable outcomes require reliable systems. That is the kind of operator we are looking for at Mercury.
\nMercury is actively becoming a bank. The controls you design, the procedures you write, and the evidence you build will be reviewed by regulators as part of that process. This is not process improvement at an established lender. It is foundational infrastructure for a new institution, and the commercial lending operation Mercury runs will reflect what you design.
\nAs a Senior Credit Operations Analyst - Loan Operations, you will own loan booking, quality control, disbursements, payoffs, lien tracking, and reconciliation, establishing single-point ownership over activities currently distributed across multiple teams. You will design and implement a formal quality control function between underwriting approval and loan booking, establishing a control layer that scales with Mercury's credit products and regulatory obligations. You will build scalable, bank-grade workflows for each stage of the loan servicing lifecycle. You will design operational infrastructure for Standby Letters of Credit, including collateral controls, contingent liability tracking, and release procedures. You will translate operational requirements into system specifications, test plans, and user acceptance criteria in partnership with development teams. You will establish procedural documentation, SLAs, and control frameworks that hold up to regulatory examination. You will build and maintain loan tapes and operational reporting across the portfolio. You will contribute to standing up the broader credit program ahead of bank launch, including operational standards, procedures, controls, and exam-readiness documentation.
\nIdeal candidates will have 5+ years of experience across banking, fintech, or private credit operations. An inclusive 2+ years of experience in credit operations or loan servicing is preferred. Comfortable building in ambiguity and operating in a 0-to-1 environment. Strong written communication: the documentation you produce will be reviewed by bank regulators. It must be precise, defensible, and clear enough that an operator can follow it and an examiner can evaluate it. Experience owning core servicing workflows: booking, disbursements, payoffs, collateral management, or reconciliation. Experience translating operational requirements into system specifications or partnering with product and engineering teams on system design. Prior experience working in full-cycle credit management (origination, portfolio management, workout, etc.) is a plus. SQL and data skills are useful but not required.
\nThe total rewards package at Mercury includes base salary, equity (stock options), 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.
\nOur target new hire base salary ranges for this role are the following:
\nUS employees in New York City, Seattle, Los Angeles or San Francisco: $132,400 - $165,500
\nUS employees outside of New York City, Seattle, Los Angeles or San Francisco: $119,200 - $149,000
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