Mercury · 1 day ago
Senior Data Scientist - Cards and Credit
New York, NY
Full-time
Onsite
Senior Level
$201K/yr - $251K/yr
7+ years expMercury is building the future of financial infrastructure for startups and growing businesses. They are seeking a full-stack Data Scientist to support their Cards & Credit roadmap, working closely with various teams to enhance card and credit products through data analysis and strategic insights.
FinanceBankingFinTechFinancial Services
Responsibilities
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
Qualification
Required
7+ years of experience working with large datasets to drive product or business impact in data science or analytics roles
Fluent in SQL and comfortable with python
Demonstrate strong judgment in defining and analyzing product metrics, running experiments, and translating ambiguous questions into structured analyses
Operate with 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
Preferred
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
Benefits
Equity (stock options)
Benefits
Company
Mercury
Mercury provides online banking solutions for startups and technology-focused businesses.
1001-5000 employees
H1B Sponsorship
Mercury has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (14)
2024 (6)
2023 (8)
2022 (1)
2021 (1)
2020 (1)
Funding
Current Stage
Late StageTotal Funding
$452.21MKey Investors
Sequoia CapitalCoatueCRV
2025-12-25Series C
2025-03-26Series C· $300M
2025-03-26Secondary Market
Leadership Team
Immad Akhund
CEO & Founder
Jason Zhang
COO, Co-Founder
Recent News
Payments Dive
2025-12-24
Crowdfund Insider
2025-12-21
2025-12-20
Company data provided by crunchbase