Senior Account Executive - Credit & Lending Products

Building Mercury's customer base is a high-impact endeavor. This role focuses on selling to 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, resourceful environment. Partner with founders and finance teams to understand their cash flow and capital needs deeply, translating that into credit-sound offers alongside underwriting. Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

About the role

This role is ideal if you:

• Have sold credit and lending products before, either at a fintech lender or bank.
• Proactively build your pipeline through outbound, networking, and relationship-building.
• Have managed complex deal cycles involving term sheets and multiple stakeholders.
• Understand underwriting decisions and can restructure deals to align with credit requirements.

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 collaborate 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 compromising credit quality.
• Manage long, multi-stakeholder deal cycles involving founders, CFOs, and existing lenders while creating urgency and maintaining momentum.
• Negotiate deal terms that balance growth ambition with credit discipline for both the business and Mercury.
• Identify and pursue opportunities to expand relationships into other Mercury products (banking, credit card, treasury) as the account grows.
• Share market and customer insights to help 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, bank's business/commercial lending group, or similar working-capital provider.
• A track record of closing deals with businesses generating $20M+ in annual revenue, ideally in ecommerce or adjacent industries.
• Real comfort with credit fundamentals—you can speak fluently about cash flow, underwriting considerations, and deal structuring.
• Experience managing complex, multi-stakeholder sales cycles requiring internal alignment (underwriting, credit committee, leadership) and external persuasion.
• A demonstrated ability to self-source pipeline through outbound, networking, and relationship-building.
• Familiarity with MEDDICC or a similar sales methodology (preferred but not required).
• Genuine curiosity about how growing businesses operate financially and a passion for solving their capital problems.

Pay

Our salary and equity ranges are highly competitive within the SaaS and fintech industry. Offers are based on experience, expertise, geographic location, and internal pay equity. 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 these areas: $153,000 – $191,200 USD

The total rewards package includes base salary, equity (stock options/RSUs), and benefits. We currently do not offer variable compensation or bonus structures.