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Mercury Logo Mercury · IT - Software Development

Senior Data Scientist - Cards and Credit

United States; Canada, San Francisco 200700.00 - 250900.00 USD / Year · Job Posted February 14, 2026
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Job Description

At Mercury, we’re building the future of financial infrastructure for startups and growing businesses. We’re looking for a full-stack Data Scientist to support our Cards & Credit roadmap, partnering closely with Product, Engineering, Design, Underwriting, and Operations to shape how our card and credit products evolve and scale. In this role, you’ll apply strong analytical judgment and product intuition to help us understand customer behavior, evaluate tradeoffs, and make smart investment decisions across the cards and lending lifecycles — from eligibility and activation to spend, retention, incentives, and credit performance. You’ll help build a data-informed culture across Mercury so teams can move quickly, measure what matters, and invest intelligently.

Job Responsibility

  • Bring impeccable communication and complete ownership — independently identifying opportunities, developing strong points of view, and influencing executives, Cards & Credit leaders, and cross-functional partners through clear, concise, and persuasive storytelling
  • Develop a nuanced understanding of cardholder behavior and economics, helping teams reason about tradeoffs between growth, engagement, risk, and unit economics
  • Define, own, and analyze metrics that inform both tactical decisions and long-term strategy across the cards and credit lifecycle (e.g., eligibility, activation, spend, utilization, rewards, retention, loss signals)
  • Design and evaluate experiments using rigorous statistical approaches, including A/B testing, cohort analysis, causal inference techniques, and trend analysis
  • Build and improve data pipelines and tools to streamline data collection, processing, and analysis workflows, ensuring the integrity, reliability, and security of data assets

Requirements

  • 7+ years of experience working with large datasets to drive product or business impact in data science or analytics roles
  • Fluent in SQL
  • Comfortable with python
  • Strong judgment in defining and analyzing product metrics, running experiments, and translating ambiguous questions into structured analyses
  • Exceptional proactivity and independence — identifying opportunities, forming strong points of view, and making your case to stakeholders
  • Experienced with modern analytics and data modeling stacks (e.g., dbt, dimensional models), with a solid understanding of how data is produced and consumed
  • Apply AI tools to accelerate analytical and business workflows, improving scalability, decision quality, and reducing manual or repetitive work across teams

Nice to have

  • Experience working on cards or credit products, such as corporate cards, charge cards, consumer cards, or revolving credit products
  • Familiarity with card economics and lifecycle concepts, including spend behavior, interchange, rewards and incentives, utilization, credit limits, and retention
  • Experience leveraging underwriting inputs, lifecycle risk signals, or third-party credit data to inform or optimize credit strategy or product decisions
  • Experience building or supporting credit models for cards or lending products, including probability of default modeling, credit limit setting, or portfolio monitoring

What we offer

  • Equity (stock options)
  • Benefits
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