Senior Software Engineer - Bank Accounts

Roman engineers built aqueducts that quietly carried water across cities, sustaining empires without fanfare. The grandeur of Rome wasn’t in the aqueducts themselves, but in the life they enabled — the markets, homes, and public spaces that depended on them. Without those aqueducts, the empire would have faltered.

At Mercury, our Bank Accounts team plays a similar role for the business: we own engineering for depository accounts*, the essential foundation that keeps everything else running. It’s not the flashy feature or headline-grabbing product, but getting this right ensures the entire platform works reliably. Just as aqueducts demand careful design, maintenance, and attention to long-term sustainability, we build systems that are dependable, secure, and scalable, supporting the business today and for years to come.

As a Senior Engineer on this team, you won’t just write code — you’ll drive business impact, set technical direction, lead initiatives, and raise the bar for engineering excellence. This role blends execution with leadership: designing and shipping software, aligning stakeholders, and mentoring teammates to think bigger and build better.

*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 Do

• Lead Projects End-to-End: Drive technical projects from concept to production. Define solutions, analyze tradeoffs, make critical decisions, and deliver software that works today and is sustainable for tomorrow.
• Collaborate Across Functions: Partner with product, design, and business stakeholders to shape initiatives. Translate between technical and non-technical audiences to ensure clarity, alignment, and buy-in.
• Code Craftsmanship: Write clear, testable, and maintainable code. Establish patterns and best practices that your team can follow, ensuring long-term scalability and reliability.
• Build for Quality & Sustainability: Design extensible systems, make balanced decisions on tech debt, plan careful rollouts, and own the quality of your work through post-launch monitoring.
• Think Product, Not Just Code: Approach problems with a product mindset. You care as much about the business impact of what you build as the technical design.
• Mentor & Elevate: Coach engineers on your team by sharing patterns, practices, and critical thinking to raise the technical bar and foster a culture of sustainable engineering.

What You Bring

• Proven experience leading technical projects at scale, including planning, execution, and stakeholder management.
• Strong full-stack engineering skills, with deep knowledge of modern web development practices, API design, and system design.
• Clear and persuasive communication skills — you can articulate tradeoffs and influence decisions across teams.
• A mindset that balances urgency with craftsmanship: shipping fast, without cutting corners on quality engineering.
• Creativity and adaptability — you think beyond the obvious and find solutions that move both product and business forward.
• A track record of mentoring engineers and helping teams grow.

If this role interests you, we invite you to explore our public demo at demo.mercury.com.

The total rewards package at Mercury includes base salary, equity (stock options/RSUs), 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: $200,700 - $250,900
• Canadian employees: CAD $189,700 - $237,100

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 here.

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