Senior Credit Analyst

Job Summary

Owning the daily underwriting process for Mercury's commercial charge card program, the full-time Senior Credit Analyst will manage credit decisioning for new applications, monitor existing customers, and shape credit policy, with opportunities for remote work within the United States or Canada.

Key responsibilities

• Complete underwriting of new card applications and document rationale for decisions
• Oversee portfolio monitoring and re-underwriting for existing customers, identifying risks and recommending actions
• Develop and maintain documentation for underwriting and monitoring procedures to ensure consistency and alignment with credit policy

Required qualifications

• Experience in fintech or banking with highly regulated financial products
• Strong credit analysis skills, including financial statement analysis and cash/revenue-based underwriting methods
• Ability to make defensible decisions under uncertainty while managing risk exposure
• Analytical curiosity with a focus on identifying patterns and insights in data
• Familiarity with data analysis tools such as SQL and/or Python is a plus