# Senior Data Scientist - Credit and Lending ML at Mercury

- Company: Mercury
- What the company does: Everything you do with money. All in one place. Apply in 10 minutes for business banking that transforms how you operate. Backed by Sequoia, a16z and 500 Global.
- Company website: https://mercury.com/
- Type: Startups (AI role)
- Level: Senior
- Location: San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States
- Work setup: Remote
- Posted: 2026-11-04
- Apply by: 2026-12-19
- Apply: https://job-boards.greenhouse.io/mercury/jobs/6248613004?utm_source=1752vc&utm_medium=careers
- Page: https://www.1752.vc/careers/jobs/mercury-senior-data-scientist-credit-and-lending-ml/

## About the role

At Mercury, we're building the future of financial infrastructure for startups and growing businesses. We're extending credit to those businesses, and we're doing it with proprietary access to some of the best data for understanding a borrower's business, from bank transactions to financial reporting to payroll. We're looking for a Senior/Staff Data Scientists to turn that record into a lending decision, partnering closely with Credit, Product, and Engineering. Found on 1752vc Careers, the job board for startup and VC roles.

## What they're looking for

- Build and own the models behind our lending program - transaction classification, recurring inflow/outflow detection, annual revenue estimation, forecasting with seasonality, anomaly detection, and more
- Turn messy data streams - bank transactions, storefront sales, and more - into a defensible view of a business's health
- Deploy models into a production environment with observability, monitoring, and tests
- Partner with Credit on underwriting policy: what data is asked for, when follow-up information is worth the friction, and how to quantify uncertainty
- Partner with Product on the shape of the product: from principal sizes and pricing to repayment terms
- Assess where predictive modeling actually moves the underwriting program

Tags: Data

Source: 1752vc Careers, https://www.1752.vc/careers/jobs/mercury-senior-data-scientist-credit-and-lending-ml/