Senior Product Manager - Risk

Risk is the nervous system behind every magical banking experience. It senses, responds, protects - often without fanfare. It doesn’t power the motion, but without it, motion goes awry. 

In risk, we build systems that identify good customers and we protect them. And we create fluid, seamless experiences that help customers to build confidence in us, while allowing them to move through their day. 

As a Senior Product Manager in Risk, you’ll craft the systems that protect Mercury and its customers while enabling secure financial journeys. You’ll build smart tools and adaptive decisioning frameworks that strike the right balance between safety and speed.

We’re looking for someone who sees risk not as a wall, but a wayfinder — someone who can wield controls like limits, holds, and verifications with nuance. Someone who understands that removing the wrong kind of friction - or applying the right kind of nudge - can unlock extraordinary experiences for our customers.

*Mercury is a financial technology company, not a bank. Banking services provided through Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC.

What You'll Do:

• Design and implement the strategic vision for Mercury's risk enablement 
• Create user journeys that apply appropriate nudges based on risk signals while minimizing disruption to legitimate customer activity
• Develop self-service resolution paths that empower customers to navigate risk-related obstacles with minimal manual intervention
• Build the operational tools that enable our risk and support teams to efficiently manage exceptions and high-touch cases
• Partner with data science to develop and deploy risk models that continuously improve through feedback loops
• Establish and track metrics that measure both risk effectiveness and customer experience impact
• Support the development of API strategies that allow Mercury's risk capabilities to scale across our expanding product suite

What You Bring:

• 7+ years of product management experience, ideally with experience in risk or operational product management
• Desire to build exceptional customer experiences that are 10X better than the industry standard
• Proficiency in understanding risk data and identifying patterns that can be operationalized into product improvements
• Strong track record of cross-functional leadership, particularly in navigating tradeoffs between risk, compliance, and customer experience priorities
• Exceptional communication skills that allow you to translate complex risk concepts into actionable product strategies
• Comfort with ambiguity and ability to make balanced decisions with imperfect information
• Experience working with rules and decisioning systems are a bonus

The 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.

Our target new hire base salary ranges for this role are the following:

• US employees (any location): $200,700 - $250,900
• Canadian employees (any location): CAD 189,700 - 237,100

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.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024. Please see the independent bias audit report covering our use of Covey here.

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