Senior Account Executive - Credit & Lending Products

We're seeking a seasoned credit and capital sales professional to grow our capital products, focusing on high-value mid-market brands generating millions in annual sales revenue.

You will partner with founders and finance teams to understand their cash flow and capital needs, translating that understanding into credit-sound offers alongside underwriting.

Key Responsibilities:

• Own the full sales cycle from self-sourced pipeline to close, selling Mercury's working capital products 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 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 ecommerce 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.

Compensation:

• Base salary ranges: $169,900 - $212,400 USD for US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area; $153,000 - $191,200 USD for US employees outside of these areas.
• Total rewards package includes base salary, equity (stock options/RSUs), and benefits.