Senior Software Engineer - Cards

Mercury•San Francisco, NY

1d•$166,600 - $208,300

About The Position

Mercury is seeking a Senior Software Engineer for its Cards Integration team, which owns the Mercury card experience and its supporting systems, including issuance, physical card shipping, spend controls, lifecycle management, authorization, money movement, settlement, reporting, and infrastructure. The team builds and maintains Mercury Debit and IO cards, aiming to make them reliable, correct, useful, and innovative. The role calls for deep systems-architecture thinking, attention to customer experience, high ownership, collaborative work, and attention to detail in systems held to four nines of reliability. The engineer will lead projects from idea through technical specification, implementation, and launch, partnering with product and engineering teammates. They will develop knowledge of card authorization, clearing, settlement, and disputes; build features across customer-facing experiences and backend money-movement systems; help maintain excellent operations; and mentor colleagues while raising engineering quality. The role involves close collaboration with product, design, operations, risk, compliance, sales, and other teams. Mercury is a fintech company, not an FDIC-insured bank. Banking services are provided through Choice Financial Group and Column N.A., Members FDIC. Mercury is an Equal Employment Opportunity employer and is committed to providing reasonable accommodations throughout recruitment. Total rewards include base salary, equity (stock options/RSUs), and benefits. Target new-hire base salary ranges are $166,600–$208,300 USD for US employees and $157,400–$196,800 USD for Canadian employees; offers depend on experience, expertise, location, and internal pay equity.

Requirements

Strong full-stack experience, a product mindset, systems thinking, and an ability to deliver projects.
Experience making architectural decisions on complex systems and explaining the reasoning and trade-offs.
Enthusiasm for delivering new features while maintaining existing ones.
Care for correctness in systems where failures have financial consequences.
Clear communication, comfort with ambiguity, and interest in mentoring others.
Comfort with Haskell and TypeScript, or readiness to learn them.

Nice To Haves

Experience in fintech, payments, or card issuing.

Responsibilities

Lead projects from idea through technical specification, implementation, and launch, working with product and engineering partners.
Learn and apply knowledge of card authorization, clearing, settlement, and disputes.
Build features across the stack, including customer-facing card experiences and backend systems that move money.
Help maintain excellent operations for highly observable card systems.
Mentor other engineers and improve engineering quality through design reviews, code reviews, and collaboration.
Collaborate with product, design, operations, risk, compliance, sales, and other teams.