Senior Product Manager - Risk Decision Systems

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

At Mercury, we build systems that identify good customers and protect them. We create fluid, intelligent experiences that let customers move confidently and securely through their day. The Risk Data Platform and Decision Engine is core to this mission: it orchestrates the data, models, rules and logic that power every risk decision we make.

We’re looking for a Senior Product Manager to lead the evolution of our internal platform for risk data and decisioning. You’ll define and build the infrastructure that underpins onboarding, fraud, and financial crimes, enabling Mercury to respond faster, act smarter, and scale safely.

This role is ideal for someone who sees platforms not as abstract systems, but as multipliers of impact. Someone who understands that well-structured data and decisions are the foundation for everything from delightful automation to resilient control.

*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:

• Define the vision and roadmap for Mercury’s Risk Data Platform and Decision Engine
• Build flexible, low-latency decisioning infrastructure that powers real-time risk controls across the customer lifecycle
• Partner with engineering, risk strategy, data science, and risk operations to design APIs, data platforms, rule engines, and model orchestration workflows
• Create unified data abstractions that make risk data usable across teams and products
• Enable continuous improvement by designing feedback loops that connect decisions to outcomes
• Collaborate with domain PMs (fraud, financial crimes, onboarding) to build reusable capabilities that reduce redundancy and amplify speed
• Establish a platform strategy that balances extensibility, resilience, observability, and performance
• Define and track platform health, adoption, and impact metrics

What You Bring:

• 7+ years of product management experience, including time spent building platform or infrastructure products
• Strong understanding of data architectures, real-time decisioning, and rules or policy engines
• Experience partnering with ML/DS teams to deploy and manage risk or scoring models
• Technical fluency; ability to dive deep in partnership with engineering while maintaining clarity for non-technical stakeholders
• A product mindset that blends customer empathy with systems thinking
• Track record of creating internal tools or platforms that unlock speed, consistency, or quality across product teams
• Comfort operating in ambiguity and building new foundations from scratch
• Experience in risk, compliance, or financial services is a plus, but not required

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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