Mercury
financial services
Underwriting&ServicingOperationsManager-Cards
Neural analysis suggests this role is
optimal for Senior candidates.
“Underwriting & Servicing Operations Manager - Cards at Mercury. Skills: credit operations, underwriting, portfolio management, collections. Ensure day-to-day operations reflect written policy. Ensure collections practices are compliant”
What You'll Achieve.
exam-ready for regulatory review; track and report on delinquency rates; track and report on recovery rates; track and report on operational efficiency; increase throughput; establish what healthy approval rates look like; establish what healthy turnaround times look like; establish what healthy application quality look like; drive improvement against those targets; real-time alert management; proactive identification of deteriorating accounts
Industry & Context.
judgment in ambiguous situations; knowing when to escalate; knowing when to streamline; knowing when to hold the line on risk
What They're Looking For.
Must Have
8+ years of experience in credit operations, underwriting, portfolio management, or collections, Experience with SMB credit, fintech lending products, credit cards, or capital products
Nice to Have
Prior experience in a highly regulated financial services, direct exposure to bank charter processes, regulatory examinations, or policy/procedure documentation, Data fluency is a plus - comfort with SQL or similar tools to pull and interpret operational data or establish operational flows & alerting independently, Curiosity about how AI tools can improve operational efficiency and reduce manual burden across credit workflows
What You'll Do.
Ensure day-to-day operations reflect written policy
Ensure collections practices are compliant
Define collections performance track
Identify improvements that reduce manual burden
Define and own the KPI framework for underwriting operations
Lead credit memo and approval workflows
Own post-origination portfolio monitoring
Define and track portfolio health
Own escalation protocols and playbooks
How You'll Work.
Team & Collaboration
Partner with Legal and Compliance; Partner with Product, Engineering, Data Science, and Legal/Compliance; working across functions; hold your own in conversations with Engineering, Data Science, and Legal/Compliance; translate between them
Full Job Description
Mercury is hiring an Underwriting ensure that day-to-day operations reflect written policy and are exam-ready for regulatory review. Partner with Legal and Compliance to ensure collections practices are compliant, well-documented, and defensible under examiner scrutiny. Define collections performance metrics; track and report on delinquency rates, recovery rates, and operational efficiency. Underwriting identify improvements that reduce manual burden and increase throughput. Partner with Product, Engineering, Data Science, and Legal/Compliance as the operational lead, grounding tooling investment requests in real throughput data. Define and own the KPI framework for underwriting operations: establish what healthy approval rates, turnaround times, and application quality look like - and drive improvement against those targets. Lead credit memo and approval workflows for complex underwriting intakes. Own post-origination portfolio monitoring across our card portfolio - including real-time alert management and proactive identification of deteriorating accounts. Define and track portfolio health KPIs; own escalation protocols and playbooks for common risk events (failed repayments, ACH issues, external balance changes, etc.). What We're Looking For: 8+ years of experience in credit operations, underwriting, portfolio management, or collections - ideally across more than one of these functions. Prior experience in a highly regulated financial services environment; direct exposure to bank charter processes, regulatory examinations, or policy/procedure documentation is a strong plus. Demonstrated ability to organize, instrument, and scale credit operations - bringing rigor, clear metrics, and ownership to functions that are in motion and growing. Strong judgment in ambiguous situations - this role requires knowing when to escalate, when to streamline, and when to hold the line on risk. Track record of managing and developing early-career team members. Comfortable working a
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