Data Scientist

About

At Mercury, we’re building the future of financial infrastructure for startups and growing businesses. We’re looking for a full‑stack Data Scientist to support our Cards & Credit roadmap, partnering closely with Product, Engineering, Design, Underwriting, and Operations to shape how our card and credit products evolve and scale. In this role you’ll apply strong analytical judgment and product intuition to understand customer behavior, evaluate trade‑offs, and make smart investment decisions across the cards and lending lifecycles—from eligibility and activation to spend, retention, incentives, and credit performance. You’ll help build a data‑informed culture so teams can move quickly, measure what matters, and invest intelligently.

Responsibilities

• Bring impeccable communication and complete ownership—independently identify opportunities, develop strong points of view, and influence executives, Cards & Credit leaders, and cross‑functional partners through clear, concise, persuasive storytelling.
• Develop a nuanced understanding of cardholder behavior and economics, helping teams reason about trade‑offs between growth, engagement, risk, and unit economics.
• Define, own, and analyze metrics that inform both tactical decisions and long‑term strategy across the cards and credit lifecycle (e.g., eligibility, activation, spend, utilization, rewards, retention, loss signals).
• Design and evaluate experiments using rigorous statistical approaches, including A/B testing, cohort analysis, causal inference techniques, and trend analysis.
• Build and improve data pipelines and tools to streamline data collection, processing, and analysis workflows, ensuring the integrity, reliability, and security of data assets.
• Build and deploy predictive models to forecast key outcomes, inform product treatments, and deepen understanding of causal drivers.

Requirements

• 7+ years of experience working with large datasets to drive product or business impact in data science or analytics roles.
• Fluency in SQL and comfortable with Python.
• Strong judgment in defining and analyzing product metrics, running experiments, and translating ambiguous questions into structured analyses.
• Exceptional proactivity and independence—identifying opportunities, forming strong points of view, and making your case to stakeholders.
• Experience with ETL processes and modern data modeling (e.g., dbt, dimensional models, Airflow), with a solid understanding of how data is produced and consumed.
• Experience in analytical approaches ranging from behavioral modeling to experimentation to optimization—and knowing when simpler approaches are the right answer.
• Ability to apply AI tools to accelerate analytical and business workflows, improving scalability, decision quality, and reducing manual or repetitive work across teams.

Nice to Have

• Experience working on cards or credit products, with familiarity in card economics and lifecycle concepts (e.g., spend behavior, interchange, rewards and incentives, utilization, credit limits, retention).
• Experience developing quantitative pricing models or engines (e.g., dynamic pricing, incentive optimization, marketplace pricing systems).
• Experience applying optimization techniques to resource allocation or decision systems (e.g., customer operations, capacity planning, policy optimization).
• Experience building or supporting credit models, including probability‑of‑default modeling, cash‑flow modeling, or dynamic credit‑limit setting.

Compensation & Benefits

• Base salary, equity (stock options), and benefits.
• US employees (any location): $200,700 – $250,900 USD
• Canadian employees (any location): CAD 189,700 – 237,100

Equal Employment Opportunity

Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. Reasonable accommodations are provided throughout the recruitment process for applicants with disabilities or special needs.