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.