Greenhouse ·
full-timeSenior Product Manager - Consumer Credit Card
Mercury · San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States
Mercury is a fintech company that provides business banking services through partner banks and is now building its first consumer credit card. The Senior Product Manager will lead the end‑to‑end creation of this card, from defining the value proposition and designing the acquisition funnel to overseeing the approval experience, underwriting decisions, credit‑line management, rewards structure and pricing. Day‑to‑day work includes shaping the application flow, ensuring fast and transparent decisions, monitoring how credit limits evolve, and crafting the everyday user experience—copy, disclosures, latency and empty states—that makes the card feel indispensable. The role also involves applying AI to surface spending insights and anticipate issues, while maintaining strict compliance with regulations such as Reg Z and the CARD Act. Success requires a consumer‑focused product leader with at least six years of shipping money‑moving products, fluency in credit metrics, a track record of AI‑enabled launches, and the ability to collaborate across engineering, design, data, risk, compliance, legal, marketing and partners in a regulated environment.
In 1949, as Diners Club tells it, Frank McNamara finished dinner in Manhattan and found his wallet at home in another suit. His wife came down and paid. He returned to the same table the following February and settled the bill with a piece of cardboard, honored at twenty-seven restaurants and carried by two hundred people, most of them his friends. A year later there were 42,000. McNamara solved two problems at once. Acceptance: enough restaurants to make the card worth carrying, and enough diners to make it worth accepting. And credit: thirty unsecured days of it, on nothing but a signature. The networks settled acceptance decades ago. What is left is the credit, and the question of why someone carries this card rather than another one. That is this role. Mercury is building its first consumer credit card. We are looking for a Senior Product Manager to define what it is, ship it, and grow it from a first cohort into a portfolio. The scope is the credit account itself: the acquisition and application funnel, the approval experience and the underwriting decisions behind it, how the line moves over time, what the rewards are worth, and the experience of carrying the account day to day. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Key responsibilities: Build a card people put at the front of the wallet and recommend without being asked Take the card from zero to launch: decide what ships first, and carry it through program setup and compliance sign-off Make the approval the clearest and fastest in the category: underwriting owns the model, you own the application, the wait, and the answer Own how customers experience their line: an increase that feels earned, a decrease that is explained Own the proposition we take to customers, from rewards and redemption to pricing, and understand the economics that fund it Set the craft bar: sweat the details, copy, disclosures, latency, empty states, that decide whether a card feels inevitable rather than adequate Drive the use of AI where it makes the experience meaningfully better: spend that makes sense at a glance, problems surfaced before they are noticed Make correctness and trust product features: own balances, interest, minimum payments, and statements that reconcile, and be measured on them Grow the business: own acquisition, activation, retention, and the loops that compound, starting with the businesses Mercury already serves Align the ecosystem: bring engineering, design, data, risk, compliance, legal, marketing, support, and partners behind one cohesive plan for the card Some things that might make you successful in a role like this: A consumer product manager with taste: you have launched products people chose to use, and can point to the decisions that made them work 6+ years building consumer products, including at least one where money moved and errors were expensive Fluency in credit, or the capacity to acquire it fast: approval rates, line assignment, vintage curves, charge-off, interchange, and rewards liability An exceptionally high bar for craft, and a customer-centered, data-driven, and experimentation oriented approach You have shipped AI-led products to real consumers and have opinions about what AI makes possible and where it fails Exceptional cross-functional collaboration across engineering, design, data, risk, compliance, and partners Sound judgment in a regulated environment: you balance a delightful experience with the controls a credit product requires, and know which corners are never worth cutting Nice to have: card issuing, lending, or payments experience, and familiarity with Reg Z and the CARD Act 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. #LI-AK1 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 (any location): $200,700 — $250,900 USD Canadian employees (any location): $189,700 — $237,100 CAD
| Role | Senior Product Manager - Consumer Credit Card |
|---|---|
| Company | Mercury |
| Location | San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States |
| Type | full-time |
| Compensation | Not disclosed |
| Posted | 2026-10-06 |
| Deadline | Rolling |
Typical process for this type of role
A general guide — the exact steps for this specific listing may vary; check the original posting for details.
- 1ApplicationSubmit your resume through the apply link.
- 2ScreeningRecruiter reviews your background against the role.
- 3AssessmentA technical test, assignment, or coding round, depending on the role.
- 4Interview(s)One or more rounds with the hiring team.
- 5OfferOffer letter with compensation and start date.
Before you apply
0/4Senior Product Manager - Consumer Credit Card at Mercury: frequently asked questions
- What is the salary for this role?
- Mercury has not stated compensation in the listing. Check the original posting or ask during the application process.
- Is the Senior Product Manager - Consumer Credit Card position remote, hybrid or onsite?
- The listing marks this role as remote, with San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States as the location.
- What is the application deadline?
- Mercury has not listed a fixed deadline, so apply early in case the opening is filled.
- How do I apply for the Senior Product Manager - Consumer Credit Card role?
- Use the Apply button on this page. It opens the original listing on job-boards.greenhouse.io, where you submit your application with the company.
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