Head of Product – Business Lending

🕒 il y a 1 mois

🌐 États-Unis, Canada – Distant

🇺🇸 États-Unis – Télétravail 🇨🇦 Canada – Télétravail

🏄 California, New York, +1 états de plus – Distant

🏄 California – Remote 🗽 New York – Remote 🌲 Oregon – Remote

💵 $289 700 - $362 100 / an

⏰ Temps Plein

🔴 Expert

✅ Responsable Produit

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Mercury

Site WebLinkedInTous les Emplois

201 - 500 employés

Fondée en 2019

💳 Fintech

💸 Finance

☁️ SaaS

Fintech • Finance • SaaS

Mercury est une entreprise de technologie financière qui propose des services bancaires en ligne pour les entreprises, bien qu'elle ne soit pas elle-même une banque. Elle collabore avec des banques assurées par la FDIC telles que Choice Financial Group, Column N. A. , et Evolve Bank & Trust pour offrir des services bancaires. Mercury a pour objectif de simplifier les opérations financières des startups et entreprises en proposant une gamme de services incluant comptes courants et d'épargne, gestion de trésorerie, cartes corporate, gestion des dépenses, facturation, et automatisation comptable. La plateforme est conçue pour rationaliser diverses tâches bancaires et améliorer les flux financiers avec des fonctionnalités telles que la surveillance des fraudes et la sécurité des comptes. Elle propose également des opportunités d'investissement via son produit Mercury Treasury et un soutien aux startups grâce à sa plateforme Mercury Raise.

Description

• Own the business lending P&L and strategy: Set the multi-year strategy - which products to build, which segments to serve, how to grow originations against economic and credit targets. Own the numbers. • Build and scale the lending org: Recruit, develop, and lead a high-performing PM team,strong product build discipline, develop future leaders, and establish the operating cadence and culture that allow a lending business to move quickly without sacrificing rigor. • Take products from 0-1 to scale: Launch and grow Mercury's lending products - term loans, lines of credit, and what comes next, and build the experimentation loop that compounds growth post-launch. • Partner with credit, underwriting, and risk on credit policy, underwriting models, and eligibility. • Manage capital and lending partners: Work with finance, capital markets, and banking/lending partners to keep the business well-capitalized and structured to scale, and own those relationships. • Balance growth with rigor: Build a lending business that customers love while meeting the credit, risk, and compliance standards a regulated product demands— making the hard tradeoffs between speed, experience, and controls. • Align the lending ecosystem: Bring together product, engineering, underwriting, risk, credit operations, data, compliance, legal, marketing, sales, support, and external partners to execute a cohesive lending strategy and deliver strong business outcomes.

🎯 Exigences

• 10+ years in lending or credit products, including significant time in SMB, commercial, or business lending, with experience building and running teams. • 5+ years leading and managing teams of product managers, including hiring, coaching, organizational design, and performance management. • Deep command of the full lending lifecycle: eligibility, application, underwriting and decisioning, funding, servicing, repayment, and collections — and the credit, risk, and compliance considerations at each stage. • A track record of owning a lending P&L and its levers: pricing, credit policy, capital structure, loss performance, and unit economics. • Experience launching and scaling 0-1 lending or credit products, ideally in a fintech or high-growth environment. • Experience working directly with bank partners, lending partners, or capital markets to structure and fund a lending business. • Sound judgment in a regulated, risk-sensitive environment: you balance a delightful customer experience with the controls a credit product requires. • A data-driven, experimentation-oriented approach, and exceptional cross-functional leadership across product, underwriting, finance, compliance, and partners.

🏖️ Avantages

• base salary • equity (stock options/RSUs)