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About the Role
Mercury is building the future of financial infrastructure for startups and growing businesses by extending credit based on proprietary data. This role involves building and owning the inference layer for their small business lending program, ensuring its production readiness, and collaborating with Credit and Product teams to shape lending strategies.
Responsibilities
- Build and own the models behind the lending program, including transaction classification, recurring inflow/outflow detection, annual revenue estimation, forecasting with seasonality, and anomaly detection.
- Transform diverse data streams into a comprehensive view of a business's financial health.
- Deploy models into a production environment with robust observability, monitoring, and testing.
- Partner with the Credit team on underwriting policy, data requirements, and uncertainty quantification.
- Collaborate with the Product team on product features such as principal sizes, pricing, and repayment terms.
- Assess the impact of predictive modeling on the underwriting program.
- Establish the technical standard for Machine Learning within the Credit department.
Requirements
- 7+ years of experience building ML models.
- Experience implementing models that have influenced automated financial decisions.
- Proficiency in writing production-grade Python code.
- Depth in areas beyond classification, such as time series and forecasting, anomaly detection, and NLP models.
- Proficiency with deep learning, transformers, and LLMs.
- Strong SQL skills and experience working with data warehouses.
- Ability to explain complex models to diverse stakeholders including credit officers, model validators, product managers, and engineers.
- Capability to set modeling standards for data science colleagues.
- A quantitative degree or equivalent practical experience.
Skills
- Machine Learning
- Python
- SQL
- Deep Learning
- Transformers
- LLMs
- Time Series Analysis
- Forecasting
- Anomaly Detection
- NLP
- Production Deployment
- Model Monitoring
- Data Warehousing
Location
- US (any location)
- Canada (any location)
Work Type
- Full-time
Experience Level
- Senior/Staff
- 7+ years
Education Level
- Quantitative degree or equivalent experience
Salary/Compensations
- US employees: $166,600—$298,800 USD
- Canadian employees: $157,400—$282,400 CAD
Benefits
- Base salary
- Equity (stock options/RSUs)
- Benefits
About the Company
- Mercury is a fintech company building the future of financial infrastructure for startups and growing businesses.
- Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
- Mercury values diversity & belonging.
Equal Opportunity
- Mercury 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.