• Manage day‑to‑day operations of the CMS EDGE server, including file ingestion, error resolution, and submission monitoring • Coordinate execution of baseline, incremental, and command‑driven processes for Cigna’s AWS‑hosted EDGE environment • Monitor release updates, reference data changes, and deployment timelines to keep the system in sync with CMS schedules • Oversee troubleshooting and remediation of file processing, configuration, and validation errors within the EDGE environment • Interpret CMS technical guidance, ICD updates, O&MM manual changes, and regulatory communications to ensure aligned EDGE operations • Conduct quality checks, reconcile enrollment and claims data, and support risk score accuracy and regulatory compliance • Collaborate with IT security and infrastructure teams to monitor and maintain EDGE instances in accordance with CMS requirements and Cigna policies • Maintain documentation of procedures, system configurations, data flows, and operational controls • Collaborate with teams to maintain and optimize data pipelines using AWS, Databricks, Python, SAS, and Oracle to support EDGE submissions and related analytics

• Manage a full suite of commercial insurance lines, including general liability, property, workers’ compensation, D&O, EPLI, cyber liability, umbrella/excess, commercial auto, and fiduciary liability • Lead the annual insurance renewal process, including preparing and submitting applications, loss history, and supplemental underwriting information • Evaluate coverage terms, limits, retentions, and premiums; negotiate with brokers and carriers to optimize program value • Maintain the master certificate of insurance schedule and respond to requests from landlords, joint venture partners, health systems, and other stakeholders • Review and provide guidance on insurance-related provisions in contracts, leases, and vendor agreements • Conduct periodic risk assessments to identify emerging exposures across the ASC portfolio and corporate operations • Analyze claims data and loss history to identify trends, cost drivers, and opportunities for risk mitigation • Maintain and update the organization’s risk register and provide regular reporting to senior leadership on key risk indicators • Serve as the primary contact for all non-clinical claims, including property, auto, workers’ compensation, and general liability • Coordinate with third-party claims administrators, defense counsel, and carriers to ensure timely and appropriate resolution • Track open claims, monitor reserves, and report on status to leadership • Support litigation management in collaboration with legal counsel • Ensure insurance programs comply with applicable regulations, lender covenants, management agreements, and joint venture obligations • Prepare and present periodic risk management and insurance program reports to the CFO, executive team, and board/committees • Maintain organized records of all policies, binders, endorsements, and correspondence • Manage ongoing relationships with insurance brokers, specialty consultants, and other risk-related service providers • Conduct periodic broker performance reviews and lead competitive broker or market solicitations as needed • Stay informed of market trends, emerging products, and best practices in risk management for healthcare and ASC operations

Build and scale the underwriting foundation for our new consumer charge card (0→1). Mercury is building a banking* stack for startups. We work hard to create the easiest and safest banking* experience possible to simplify entrepreneurs' and business owners’ financial lives. We’re launching a premium consumer charge card and are looking for a senior credit risk leader to help build and scale the underwriting strategy from the ground up - and own its performance as the portfolio scales. Our goal is to build a consumer charge card that delivers a premium experience while maintaining disciplined, data-driven credit risk. This is a hands-on, senior individual contributor role. You’ll take an initial strategic direction and turn it into a scalable, data-driven underwriting program, then monitor, refine, and evolve that strategy post-launch. You’ll play a key role in shaping how risk decisions translate into customer experience, product growth, and long-term portfolio performance. As the portfolio grows, this role is expected to evolve into team leadership. *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 Own: Build and operationalize the credit strategy - Translate underwriting vision into formal credit policy and decision frameworks - Define approval logic, segmentation strategy, and limit-setting methodology - Establish portfolio guardrails aligned to loss targets and unit economics - Design account management strategies across the customer lifecycle - Develop early portfolio management approaches including exposure adjustments, servicing strategies, and input into collections processes as the portfolio matures - Define portfolio monitoring frameworks and escalation triggers for emerging credit risk trends Build the data-driven risk engine - Implement credit policy in our underwriting platform - Evaluate and integrate key data sources (bureau, income, debt signals) - Ensure decision logic is structured, testable, and scalable - Partner with Engineering and Data to build monitoring and feedback loops Own portfolio performance post-launch - Define and track core KPIs (approval rate, early delinquency, loss rate, exposure, utilization, etc.) - Monitor vintage performance and segment behavior - Recommend and implement strategy adjustments based on observed risk trends - Present risk performance, insights, and recommendations to senior leadership Drive data-informed risk and growth decisions - Use SQL to independently evaluate underwriting decisions and trade-offs - Analyze drivers of credit performance and portfolio outcomes - Partner with Finance on forecasting and risk-adjusted economics Drive cross-functional execution - Partner with Compliance to ensure the underwriting program is well-documented and built to scale - Work with Partnerships, Procurement, and Legal on evaluating and onboarding credit data providers - Support broader risk initiatives across our business charge card portfolio during the build phase What We’re Looking For: - 6+ years of experience in consumer credit risk. Ideal candidates will have 8–12 years of experience across banking, fintech, or unsecured consumer lending - Experience launching or materially redesigning a consumer lending product - Experience implementing credit policy within a decisioning or underwriting platform is strongly preferred - Demonstrated experience owning risk strategy and monitoring portfolio performance - Deep familiarity with bureau data and core credit risk metrics (approval rate, loss rate, vintage curves, etc.) - Experience presenting risk insights and strategy recommendations to senior stakeholders - Experience translating policy into production decision logic - Strong SQL skills and comfort working directly with data - Comfortable building in ambiguity and operating in a 0→1 environment Why This Role Is Unique: You’ll join before launch - when foundational decisions are made - and remain accountable for how those decisions perform in-market. You won’t inherit a mature portfolio. You’ll help define how underwriting works, how risk scales, and how this product earns long-term customer trust. As the consumer portfolio grows, this role has the potential to evolve into a leadership position responsible for building and managing a dedicated consumer credit risk team. The total rewards package at Mercury includes base salary, equity, 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. Our target new hire base salary ranges for this role are the following: - US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $171,000 - $213,700 - US employees outside of the New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $153,900 - $192,300 - Canadian employees (any location): $161,600 - $201,900 CAD Mercury values diversity & belonging and 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. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role. 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 Covey Scout for Inbound on January 22, 2024. [Please see the independent bias audit report covering our use of Covey for more information.] #LI-AR1

Position Title Credit Review Officer Sr Location Work From Home AZ, AZ 85001 Job Summary Internal Credit Review’s (ICR’s) Senior Credit Review Officer position is a key individual contributor role providing the incumbent diverse exposure to a variety of portfolios and products in support of ICR’s coverage mission. The Senior Credit Review Officer is responsible for continuously monitoring and periodically examining lending portfolio asset quality and credit risk management practices. This includes evaluating the adequacy of a business unit’s credit risk governance framework including risk appetite, policies, procedures, and risk reports; the depth, accuracy, and timeliness of client financial and transaction structure analyses, risk rating and regulatory classification assignment, and potential impairment for a sample of individual exposures; adherence to credit policies, procedures, and underwriting guidelines; and the quality of ongoing surveillance and problem loan management activities. Senior Credit Review Officers report findings and recommendations to ICR and business unit stakeholders and, for defects requiring formal action, initiate reportable issues, monitor management’s remediation progress against said issues, and validate the adequacy of management actions to sustainably resolve the underlying defect. Senior Credit Review Officers may also lead or contribute to thematic topical examinations, special projects, or other department enhancement initiatives in furtherance of ICR’s mission. Senior Credit Review Officers regularly engage with stakeholders of various seniority levels from across the Bank, and as such, the position has an outsized influence on helping the organization maintain its strong credit risk management practices, safety and soundness. Pay Range: 111 - 194K Job Responsibilities: JOB RESPONSIBILITIES - Participate in periodic examinations of portfolio asset quality and the design and operating effectiveness of credit risk management practices and controls. May lead said examinations for their assigned portfolio(s) and oversee the work of others on an exam-specific basis. - Conduct sample testing of individual credits for adherence to risk appetite and approval requirements, the quality of repayment sources and transaction structure, the accuracy and timeliness of risk ratings and regulatory classifications, and the adequacy of business unit credit analysis and other documentation. - Perform continuous monitoring of assigned portfolio(s), including analyzing portfolio data, underwriting and financial trends, and monitoring relevant market, industry and regulatory developments to identify emerging risks or trends. Maintain currency of ICR’s independent Risk Assessment for assigned portfolio(s). - Develop collaborative working relationships with business unit stakeholders to monitor portfolio, policy, process, organizational, and other developments, including the unit’s progress in remediating credit risk management defects. - Keep ICR leadership informed of material credit risk developments in assigned portfolio(s). - Collaborate with ICR team members to promote knowledge sharing, exchanges of best practices, and foster a positive and enriching work environment consistent with Bank values. ADDITIONAL ACCOUNTABILITIES - Contribute to the execution of critical department operational processes such as annual planning, resource capacity and deployment analysis, staff skills assessments, issue tracking, Board reporting, and interactions with supervisors and external auditors. - Participate in special projects in support of enhancing ICR’s capabilities and achieving its objectives. - Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations. JOB REQUIREMENTS Required Qualifications: - Education level required: High School / High School Equivalency (GED, HiSET, TASC) / Foreign Equivalent. - 10-15+ years of prior lending, portfolio management, credit risk management, regulatory supervision, or similar experience with commercial & industrial loan portfolios, including one or more of the following portfolio types: leveraged lending, sponsor finance, healthcare, technology, entertainment finance, asset-based lending, professional practices, or high net worth individual lending. Preferred Qualifications: - BA or BS degree; MBA, FRM, Credit Risk Certification, or other advanced degree or certification is a plus. - Experience analyzing distressed assets, evaluating potential impairment, and estimating individual loan loss provisions. - Large financial institution experience with an OCC or FRB-regulated bank. - Prior experience as a commercial lender or credit risk manager. Job Competencies: - Expert credit / financial statement analysis skills, proven understanding of business and financial markets and the effects of economic conditions on a Bank’s credit portfolios. - Familiarity with US regulatory expectations related to maintaining safe and sound credit risk management practices. - Broad knowledge of corporate finance concepts and theories, industry credit practices, current financial and regulatory environments, and risk management techniques. - Ability to analyze portfolio trends at a macro level and identify leading / lagging indicators or other signs of changing risk levels and/or symptoms of process control breakdowns. - For more seasoned Credit Review Officers, some people or project management experience demonstrating a track record leading small teams on a permanent or temporary project basis. - Effective communication skills, both oral and written, and a high degree of professional maturity appropriate for interactions with business unit stakeholders as an ambassador for the ICR department. - Strong attention to detail, a dedication to quality, and enthusiasm for learning. Eagerness to remain current on Bank, market, and industry developments to keep skills current and sharp. - Strong organizational, problem solving, and communication skills. - Strong credit and loan structure analysis skills. - Willingness to travel 0-10% if needed. - Physical demands (ADA): No unusual physical exertion is involved. Flagstar is an Equal Opportunity Employer Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: Benefits | Flagstar Bank