Senior Technical Program Manager - Credit & Lending

Mercury is building Mercury Bank, N.A., a proposed nationally chartered bank focused on serving ambitious businesses. Credit and lending are central to that mission, and as we migrate our charge card and term loan products to the Bank's own balance sheet and build the next generation of lending infrastructure, we need someone who can hold the full program together. The Senior Technical Program Manager for Credit and Lending will own end-to-end delivery of the technology programs that power Mercury's charge card, term loan, and adjacent credit products. You will be the connective tissue between Engineering, Product, Risk, Compliance, Treasury, and Operations: setting strategy for how these programs run, surfacing tradeoffs that unblock leaders, sequencing the critical path, and ensuring that what ships is audit-ready from day one. We are looking for someone who has operated at this level before, in a regulated environment, at scale, with real accountability for outcomes. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. What you'll do: Program ownership • Own the integrated program plan across all active credit and lending workstreams, covering milestones, dependencies, and critical paths across Engineering, Product, Risk, Compliance, Treasury, and Operations. • Proactively manage sequencing, resourcing tradeoffs, and escalations. When initiatives are off-track, you identify it first and bring a recommended path forward. • Ensure Compliance, Treasury, and Operations readiness lands alongside product and regulatory milestones • Drive incident learnings back into design, test coverage, and runbooks so each issue improves the underlying system, not just fixes the symptom. • Contribute to the overall (proposed) Mercury Bank, NA technical program, collaborating with other TPMs to build a holistic view of progress and risks Governance and decision-making • Keep a single source of truth for status, decisions, risks, and owners. Maintain a living RAID log with clear owners and impact assessments. • Facilitate structured decision-making by surfacing options and tradeoffs to leaders before problems escalate. • Build and improve the operating systems that drive credit and lending product decisions: planning cycles, reviews, decision frameworks, launch readiness. Communication and influence • Produce concise, predictable updates calibrated to the audience. • Synthesize complex cross-functional information into recommendations that help executives decide and move. • Produce documentation of program objectives, architecture decisions, and operational impacts that onboards new team members without requiring a meeting to explain it. • Function as a trusted thought partner to engineering leads, product managers, and senior leadership. Execution and improvement • Identify inefficiencies and eliminate them through automation, AI tooling, or process redesign. • Lead technical retrospectives and post-mortems, ensuring learnings are systematized rather than forgotten. What we're looking for: Experience • 10+ years of program management or technical program management in a high-growth or regulated environment. • Direct experience in financial services, fintech, or credit infrastructure. Compliance, audit, reporting and risk management obligations are familiar territory. • Track record of operating at the department or business level, owning programs with multiple concurrent workstreams and cross-functional accountability. • Proven ability to communicate with and influence executive stakeholders, in writing and in high-stakes meetings, without a senior manager to translate. • Bonus: Familiarity with the lending tooling ecosystem such