Senior Data Scientist – Risk Analytics | Mercury
Posted 2025-09-08
Remote, USA
Full Time
Immediate Start
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Mercury was founded to make banking* better for all businesses. We started by imagining what the best banking platform for startups would look like and in a few years we have thousands of customers using Mercury’s products, supporting their businesses as they grow. As Mercury continues its rapid growth trajectory, navigating the complex and ever-evolving partnerships and regulatory landscape is not just a necessity but a competitive advantage. Our mission is to transform how banking operates, and we have a staggering amount of work ahead. This means you will have an unprecedented opportunity to put the global economy within everyone’s reach while doing the most important work of your career.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Mercury is building a complete finance stack for startups. We work hard to create the easiest and safest banking experience possible to simplify entrepreneurs’ and business owners’ financial lives. To enable this stellar banking experience, we need to have a deep understanding of our customers from the moment they onboard and mature it each time they interact with our product. We are looking to hire a data scientist who will advance our data-first approach to managing risk by surfacing key metrics, building automated and reliable reporting to cross-functional teams, diving into complex data questions, and working to enhance our data infrastructure and understanding from end-to-end.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">In this role, you’ll be responsible for proactively deriving data insights and partnering with risk, compliance, engineering, product, and design to inform how we understand and mitigate financial, regulatory, and reputational risk. You’ll build a data-informed culture across Mercury so that we can all determine what’s happening, react quickly, and invest intelligently. You will work on projects end-to-end and build deep domain expertise in the intersection of Data Science and Risk.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">*Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust, Members FDIC</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Here are some things you’ll do on the job:</p>
<ul class=" text-base sm:text-lg marker:text-color list-inside list-disc text-gray-500 list-disc list-outside pl-3 mb-6">
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Own and manage core risk business and operational metrics and data, becoming the company-wide expert on the topic.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Build observability for our internal operations and risk controls efficacy through analytical deep dives and key metric dashboards.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Respond to ad hoc data requests from within Risk and from cross-functional partners in Audit, Compliance, and Product.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Partner with Risk stakeholders and cross-functional teams to identify impactful business questions, conduct deep-dive analysis, translate data insights into actionable recommendations and communicate findings to audiences at all levels to inform data-driven decisions.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Analyze historical data to identify trends, patterns, and risk factors, informing the design of risk mitigation strategies.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Collaborate with other Data Scientists and Data Engineers to build and improve data pipelines, tools, and infrastructure to streamline data collection, processing, and analysis workflows, and ensure the integrity, reliability, and security of data assets.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Leverage data models and advanced analytics techniques to design long-term solutions including enhancements of existing strategies and building new process improvements</span></li>
</ul>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">You should:</p>
<ul class=" text-base sm:text-lg marker:text-color list-inside list-disc text-gray-500 list-disc list-outside pl-3 mb-6">
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Have 4+ years of experience working with and analyzing large datasets to solve problems and drive impact, with 2+ years of experience working in risk</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Have fluency in SQL and experience using it creatively with imperfect data</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Have consistent experience with developing dashboards using data visualization tools</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Have the ability to proactively ask questions, turn them into analyses, and make your case to various stakeholders, including senior leadership.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Be super organized and communicative. You will need to prioritize and manage projects to maximize impact, supporting multiple stakeholders with varying quantitative skill levels.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Be comfortable with decision making in a fast-paced, ambiguous environment, while demonstrating curiosity and a growth mindset</span></li>
</ul>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Ideally you also:</p>
<ul class=" text-base sm:text-lg marker:text-color list-inside list-disc text-gray-500 list-disc list-outside pl-3 mb-6">
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Have fluency in additional statistical programming languages (e.g. Python, R, etc.).</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Have experience building scalable data pipelines and ETL processes with DBT and understand different database structures.</span></li>
</ul>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">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.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Our target new hire base salary ranges for this role are the following:</p>
<ul class=" text-base sm:text-lg marker:text-color list-inside list-disc text-gray-500 list-disc list-outside pl-3 mb-6">
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">US employees (any location): $173,600 – 204,200 USD</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Canadian employees (any location): CAD 158,000 – 185,800</span></li>
</ul>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">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 <a href="https://getcovey.com/product/covey-scout-inbound" target="_blank" class="break-all font-medium underline hover:opacity-75" rel="noopener noreferrer nofollow">Covey Scout for Inbound </a>on January 22, 2024. Please see the independent bias audit report covering our use of Covey <a href="https://getcovey.com/nyc-local-law-144" target="_blank" class="break-all font-medium underline hover:opacity-75" rel="noopener noreferrer nofollow">here</a>.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">#LI-RA1</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Mercury is building a complete finance stack for startups. We work hard to create the easiest and safest banking experience possible to simplify entrepreneurs’ and business owners’ financial lives. To enable this stellar banking experience, we need to have a deep understanding of our customers from the moment they onboard and mature it each time they interact with our product. We are looking to hire a data scientist who will advance our data-first approach to managing risk by surfacing key metrics, building automated and reliable reporting to cross-functional teams, diving into complex data questions, and working to enhance our data infrastructure and understanding from end-to-end.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">In this role, you’ll be responsible for proactively deriving data insights and partnering with risk, compliance, engineering, product, and design to inform how we understand and mitigate financial, regulatory, and reputational risk. You’ll build a data-informed culture across Mercury so that we can all determine what’s happening, react quickly, and invest intelligently. You will work on projects end-to-end and build deep domain expertise in the intersection of Data Science and Risk.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">*Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust, Members FDIC</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Here are some things you’ll do on the job:</p>
<ul class=" text-base sm:text-lg marker:text-color list-inside list-disc text-gray-500 list-disc list-outside pl-3 mb-6">
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Own and manage core risk business and operational metrics and data, becoming the company-wide expert on the topic.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Build observability for our internal operations and risk controls efficacy through analytical deep dives and key metric dashboards.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Respond to ad hoc data requests from within Risk and from cross-functional partners in Audit, Compliance, and Product.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Partner with Risk stakeholders and cross-functional teams to identify impactful business questions, conduct deep-dive analysis, translate data insights into actionable recommendations and communicate findings to audiences at all levels to inform data-driven decisions.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Analyze historical data to identify trends, patterns, and risk factors, informing the design of risk mitigation strategies.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Collaborate with other Data Scientists and Data Engineers to build and improve data pipelines, tools, and infrastructure to streamline data collection, processing, and analysis workflows, and ensure the integrity, reliability, and security of data assets.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Leverage data models and advanced analytics techniques to design long-term solutions including enhancements of existing strategies and building new process improvements</span></li>
</ul>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">You should:</p>
<ul class=" text-base sm:text-lg marker:text-color list-inside list-disc text-gray-500 list-disc list-outside pl-3 mb-6">
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Have 4+ years of experience working with and analyzing large datasets to solve problems and drive impact, with 2+ years of experience working in risk</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Have fluency in SQL and experience using it creatively with imperfect data</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Have consistent experience with developing dashboards using data visualization tools</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Have the ability to proactively ask questions, turn them into analyses, and make your case to various stakeholders, including senior leadership.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Be super organized and communicative. You will need to prioritize and manage projects to maximize impact, supporting multiple stakeholders with varying quantitative skill levels.</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Be comfortable with decision making in a fast-paced, ambiguous environment, while demonstrating curiosity and a growth mindset</span></li>
</ul>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Ideally you also:</p>
<ul class=" text-base sm:text-lg marker:text-color list-inside list-disc text-gray-500 list-disc list-outside pl-3 mb-6">
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Have fluency in additional statistical programming languages (e.g. Python, R, etc.).</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Have experience building scalable data pipelines and ETL processes with DBT and understand different database structures.</span></li>
</ul>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">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.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Our target new hire base salary ranges for this role are the following:</p>
<ul class=" text-base sm:text-lg marker:text-color list-inside list-disc text-gray-500 list-disc list-outside pl-3 mb-6">
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">US employees (any location): $173,600 – 204,200 USD</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Canadian employees (any location): CAD 158,000 – 185,800</span></li>
</ul>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">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 <a href="https://getcovey.com/product/covey-scout-inbound" target="_blank" class="break-all font-medium underline hover:opacity-75" rel="noopener noreferrer nofollow">Covey Scout for Inbound </a>on January 22, 2024. Please see the independent bias audit report covering our use of Covey <a href="https://getcovey.com/nyc-local-law-144" target="_blank" class="break-all font-medium underline hover:opacity-75" rel="noopener noreferrer nofollow">here</a>.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">#LI-RA1</p>