Collections Operations

Own the collections function end-to-end: monitoring and early identification of at-risk accounts, outreach strategy, escalation and intervention workflows, charge-off processes, and recovery.

Manage and improve Mercury's collections operations - refining playbooks, escalation criteria, and tooling across our credit product family as the portfolio scales.

Serve as the primary owner on collections and servicing policy documentation in support of Mercury's bank charter: draft and own Collections Standards, Policies, and Procedures across all credit products - including corporate card and working capital; ensure that day-to-day operations reflect written policy and are exam-ready for regulatory review.

Partner with Legal and Compliance to ensure collections practices are compliant, well-documented, and defensible under examiner scrutiny.

Define collections performance metrics; track and report on delinquency rates, recovery rates, and operational efficiency.

Underwriting & Portfolio Management Operations

Own the end-to-end operational layer across our IO credit product variants, including manual workflows, document collection, credit bureau pulls, and application throughput.

Bring consistency and rigor to underwriting processes across the team, reducing variance in how decisions are made and documented.

Monitor pipeline health and manage operational bottlenecks; identify improvements that reduce manual burden and increase throughput.

Partner with Product, Engineering, Data Science, and Legal/Compliance as the operational lead, grounding tooling investment requests in real throughput data.

Define and own the KPI framework for underwriting operations: establish what healthy approval rates, turnaround times, and application quality look like - and drive improvement against those targets.

Underwriting & Servicing Operations Manager - Cards

Responsibilities

Qualification

Required

Benefits

Company

Mercury

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