Senior Account Executive - Credit & Lending Products

Mercury; San Francisco (CA); On-site; USD 170,000 - 212,000; Full time

Job summary

Mercury is seeking a seasoned credit and capital sales professional to drive growth of our working capital products for high-growth ecommerce brands. You will own the full sales cycle from self-sourced pipeline to close and build a high-quality pipeline through outbound campaigns and strategic networking.

You will partner with founders and finance teams to understand cash flow and capital needs, structure credit‑sound offers with underwriting, and expand relationships into Mercury's other

Qualifications

• 3+ years closing quota-bearing sales in credit or capital products.
• Proven experience selling to high-growth ecommerce brands.
• Strong ability to source and manage multi-stakeholder deals.
• Familiarity with MEDDICC preferred.

Responsibilities

• Own full sales cycle from prospecting to close for working capital products.
• Build a high-quality pipeline through self-prospecting and outbound campaigns.
• Perform deep discovery on growth, cash flow, and capital needs with underwriting.
• Collaborate with underwriting and executives to structure offers.
• Expand relationships into other Mercury products as accounts grow.
• Negotiate terms balancing growth with credit discipline.

Skills

Quota carrying

Credit products

Closing deals

Self-sourcing pipeline

Outbound selling

Financial acumen

MEDDICC

Tools

MEDDICC

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.

You'll partner with founders and finance teams to understand their cash flow and capital needs on a deep level, and translate that understanding into credit‑sound offers alongside underwriting. This role focuses on building your own pipeline of exceptional companies, starting with high-quality ecommerce brands, and expanding over time to other industries doing $20M-$500M in annual revenue. You'll own complex deal cycles that require both a strong banking relationship and real internal selling 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.

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.

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.

Total Rewards

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 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