Senior Account Executive - Credit & Lending Products

About the role

We're looking for a seasoned credit and capital sales professional to grow our capital products, focusing on established, high-value mid-market brands generating millions in annual sales revenue. You'll bring the skills of a proven lending closer, structuring and closing credit deals while thriving in Mercury's fast-moving environment. This role involves partnering with founders and finance teams to understand their cash flow and capital needs, translating that into credit-sound offers alongside underwriting. You'll build your own pipeline of exceptional companies, starting with high-quality e-commerce brands and expanding to other industries with $20M–$500M in annual revenue. You'll own complex deal cycles requiring strong banking relationships and internal alignment across underwriting and the executive team.

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

Responsibilities

• Own the full sales cycle from self-sourced pipeline to close, selling Mercury's working capital products (term loans and rolling lines) to high-growth brands generating $20M–$500M in annual revenue.
• Build and maintain a high-quality pipeline through self-prospecting, outbound campaigns, and strategic networking.
• Run deep discovery to understand a business's growth trajectory, cash flow patterns, and capital needs, then work with underwriting to structure compelling, credit-sound offers for complex, high-value deals.
• Sell internally as much as externally: build consensus across underwriting and the executive team to move deals forward without cutting corners on credit quality.
• Manage long, multi-stakeholder deal cycles — often involving founders, CFOs, and existing lenders or banking relationships — while creating urgency and maintaining momentum.
• Negotiate deal terms that work for both the business and Mercury, balancing growth ambition with credit discipline.
• Identify and pursue opportunities to expand relationships into other Mercury products (banking, credit card, treasury) as the account grows.
• Share market and customer insight that helps shape how Mercury underwrites and prices working capital over time.

Requirements

• 3+ years of quota-carrying, closing experience selling credit, lending, or capital products — at a fintech lender, a bank's business/commercial lending group, or a similar working-capital provider.
• A track record of closing deals with businesses doing meaningful revenue (think $20M+, ideally into the tens or hundreds of millions), in e-commerce or adjacent industries.
• Real comfort with credit fundamentals — you can speak fluently about cash flow, underwriting considerations, and deal structuring, not just product features.
• Experience managing complex, multi-stakeholder sales cycles that require internal alignment (underwriting, credit committee, leadership) as much as external persuasion.
• A demonstrated ability to self-source pipeline through outbound, networking, and relationship-building — not just work inbound leads.
• Familiarity with MEDDICC or a similar sales methodology (preferred but not required).
• Genuine curiosity about how growing businesses operate financially, and energy for solving their capital problems.

Pay

Our salary and equity ranges are highly competitive within the SaaS and fintech industry. New hire offers are based on experience, expertise, geographic location, and internal pay equity relative to peers. The target new hire base salary ranges for this role are:

• US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $169,900 – $212,400 USD
• US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $153,000 – $191,200 USD

Total rewards include base salary, equity (stock options/RSUs), and benefits. We currently do not have variable compensation or bonus structures in place.