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

Department: Field Underwriting Job Description: As the Senior Risk Control Consultant, you will play a key role in supporting The Mutual Group (TMG), GuideOne Insurance, and future members by providing comprehensive risk assessment and safety consulting services to large non‑profit, health and human services organizations, educational institutions, and religious facilities with the goal of reducing losses and improving overall risk quality. This role supports underwriting and client service objectives by conducting on‑site evaluations, identifying hazards, recommending controls, and partnering with clients to strengthen risk management practices. The consultant serves as a technical resource to both internal teams and insureds, delivering detailed analysis of exposures, partners with insureds to implement strong risk management practices tailored to their operations and assisting organizations reduce loss potential while supporting their mission-driven operations. Work Arrangement: This role is home‑ or field position based in the Indianapolis, Cinncinati, Louisville, St. Louis areas and requires regular travel for on‑site surveys, combining in‑person facility inspections with remote consultations and virtual meetings, and it also requires the physical ability to access and evaluate buildings, mechanical rooms, and large facilities as needed. Accountabilities: Risk Assessment & Surveys - Conduct on-site loss control surveys for non-profit, education, and religious accounts, evaluating property, liability, and operational exposures. - Assess conditions such as life-safety systems, facility maintenance, security practices, playground safety, transportation risks, and special events. - Identify potential hazards and develop practical, mission-appropriate risk control recommendations. - Prepare clear, detailed reports summarizing findings, risk quality, and underwriting considerations. - Service large accounts by developing ongoing service plans and conducting regular claim‑trend analysis to identify areas for improvement and support comprehensive risk management strategies Client Consultation & Support Support organizations in developing or improving policies related to: - Abuse prevention and child protection - Volunteer management - Emergency preparedness and crisis response - Fleet and driver safety - Facilities and maintenance protocols - Collaborate with clients to help them implement corrective actions and track progress. Internal Collaboration - Work closely with underwriting teams to support account selection, renewal decisions, and risk improvement strategies. - Communicate survey outcomes, risk insights, and emerging trends to internal stakeholders. Training & Education Develop and deliver training for staff, volunteers, and leadership of insured organizations on topics such as: - General safety awareness - Fire prevention and life safety - Abuse prevention and boundary training - Risk management for schools, camps, and religious facilities - Conduct webinars, onsite workshops, and/or virtual training sessions as needed. Program & Resource Development Contribute to the creation and maintenance of risk management guides, safety checklists, toolkits, and policy templates tailored to the nonprofit, education, and religious sectors. Stay current on regulatory changes, industry best practices, and emerging risks affecting mission-based organizations. Qualifications: - Bachelor’s degree in risk management, safety, engineering, insurance, or a related field preferred; equivalent experience considered. - 5+ years of experience in loss control, safety consulting, insurance risk assessment, or facility operations. - Strong understanding of safety practices, risk assessment techniques, and regulatory requirements. - Excellent communication, report writing, and interpersonal skills. - Ability to work independently, manage travel, and maintain strong client relationships. - Valid driver’s license required. - Experience working with non-profits, schools, camps, churches, or religious organizations. - Designations such as ARM, CSP, ASP, CRM, or CFPS preferred. - Knowledge of life-safety codes, OSHA requirements, playground standards, and abuse prevention practices. - Strong analytical and problem‑solving skills - Professional judgment and decision‑making - Ability to communicate technical information in practical, accessible terms - Customer-service mindset with sensitivity to mission-driven environments - Project and time management - Ability to build trust and influence change Pay Range: Anticipated Hiring Range: - $85,000 - $105,000 annual base salary depending on experience, qualifications, and geographic location - $98,000 - $120,000 annual base salary depending on experience, qualifications, and geographic location in CA, CT, MA, NJ, NY, and PA Benefits: We are proud to offer our full-time regular employees a robust benefits suite that includes: - Competitive base salary plus incentive plans for eligible team members - 401(K) retirement plan that includes a company match of up to 6% of your eligible salary - Free basic life and AD&D, long-term disability and short-term disability insurance - Medical, dental and vision plans to meet your unique healthcare needs - Wellness incentives - Generous time off program that includes personal, holiday and volunteer paid time off - Flexible work schedules and hybrid/remote options for eligible positions - Educational assistance Equal Opportunity Employer The Mutual Group is an Equal Opportunity Employer. It is our policy to recruit, hire, train and promote individuals in all job classifications without regard to race, color, religion, sex, national origin, age, veteran status, disability, sexual orientation, gender identity or any other characteristic protected by law. - Know Your Rights: Workplace Discrimination is Illegal - Your Rights Under USERRA Applicants requiring a reasonable accommodation due to a disability at any stage of the employment application process should contact Talent@themutualgroup.com. Employment Verification The Mutual Group participates in the E-Verify program and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. You are protected from employment discrimination based on your citizenship status and national origin. E-Verify Program Overview E-Verify Participation Poster All offers of employment are contingent upon the successful completion of a background check. #TMG

• Help design the risk architecture supporting Kraken’s OTC desk, derivatives platform, and trading liquidity systems • Design risk frameworks governing spot, derivatives, options, and OTC trading • Define exposure limits, position controls, and escalation frameworks for trading activities • Partner with traders to ensure risk frameworks support efficient market-making and liquidity provision • Build analytics and controls for managing options and derivatives exposures • Monitor risk factors including delta, gamma, vega, volatility regimes, and liquidity conditions • Evaluate risk scenarios during periods of extreme crypto market volatility and design mitigations • Assess risks associated with large trading flows, OTC activity, and cross-venue liquidity • Monitor how liquidity fragmentation across exchanges and protocols affects risk exposures • Help design safeguards against market dislocations and liquidity shocks • Build and improve market risk analytics including VaR, stress testing, and scenario analysis • Develop dashboards and tools for monitoring trading exposures in real-time • Partner with engineering teams to improve risk infrastructure supporting Kraken’s trading platforms • Analyze how crypto market structure affects Kraken’s risk profile • Provide insights to trading teams and leadership during periods of market stress • Additional duties and responsibilities as assigned