Senior Account Executive - Credit & Lending Products

Mercury; Portland (OR); On-site; USD 153,000 - 212,000; Full time

Job summary

Mercury is seeking a seasoned credit and capital sales professional to grow our working capital product portfolio with mid-market brands generating $20M–$500M in annual revenue. You will own the full cycle from prospecting to close, build a robust pipeline through outbound campaigns and networking, and structure credit-ready offers with underwriting.

You will navigate multi-stakeholder deal cycles, align internal teams, and push for momentum while maintaining strict credit discipline.

Qualifications

• Experience selling credit, lending, or capital products to mid-market brands.
• Proven ability to close multi-stakeholder deals and manage long cycles.
• Ability to self-source pipeline via outbound, networking, and relationship-building.
• Familiarity with MEDDICC or similar sales methodologies is a plus.

Responsibilities

• Own the full sales cycle from self-sourced pipeline to close for working capital products.
• Build and maintain a high-quality pipeline through outbound campaigns and strategic networking.
• Conduct deep discovery of growth trajectory, cash flow, and capital needs; structure offers with underwriting.
• Align underwriting and executive teams to move deals forward while maintaining credit quality.
• Manage multi-stakeholder deal cycles with founders, CFOs, and lenders; create urgency and momentum.
• Negotiate terms that balance growth with credit discipline; expand relationships into other Mercury products.

Skills

Quota carrying sales

Credit and lending knowledge

Self-sourcing pipeline

Deal closing

Stakeholder management

Networking/outbound prospecting

MEDDICC familiarity

Job description

Building Mercury's customer base has turned out to be a wild endeavor! With our continued growth in lending, we're looking for a seasoned credit and capital sales professional to continue to grow our capital products. 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, someone who's structured and closed credit deals, while still thriving in the fast-moving, resourceful environment Mercury is known for.

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

This might be the right role for you if:

• You've sold credit and lending products before, either at a fintech lender or bank.
• You don't wait for a pipeline to show up — you go find it, through outbound, networking, and relationship-building.
• You've managed a deal cycle that took months, involved a term sheet, and required you to keep multiple internal and external stakeholders aligned at once.
• When underwriting says no to a deal you like, you understand why, and you know how to bring back a structure that works for everyone.

You will:

• 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.

You have:

• 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.

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 job candidate's experience, expertise, geographic location, and internal pay equity relative to peers. We currently do not have any variable compensation or bonus structures in place.

Our target new hire base salary ranges for this role are the following:

• 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

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.