Senior Account Executive - Credit & Lending Products

Mercury•San Francisco, NY

About The Position

Mercury is seeking a seasoned credit and capital sales professional to grow its lending products by selling working capital products, including term loans and rolling lines, to established, high-value mid-market brands. The role focuses on companies generating $20M–$500M in annual revenue, beginning with high-quality ecommerce brands and potentially expanding into other industries. The Senior Account Executive builds a self-sourced pipeline, partners with founders and finance teams to understand their cash flow and capital needs, and works with underwriting to develop compelling, credit-sound offers. The position owns complex, often lengthy sales cycles involving multiple stakeholders, including founders, CFOs, existing lenders, underwriting, and Mercury’s executive team. It requires balancing growth ambitions with credit discipline and building internal consensus without compromising credit quality. The role also identifies opportunities to expand customer relationships into Mercury’s banking, credit card, and treasury products, and shares market and customer insights to inform working-capital underwriting and pricing. Mercury is a fintech company, not an FDIC-insured bank. Banking services are provided through Choice Financial Group and Column N.A., Members FDIC.

Requirements

At least 3 years of quota-carrying, closing experience selling credit, lending, or capital products at a fintech lender, a bank business/commercial lending group, or a similar working-capital provider.
A track record of closing deals with businesses generating meaningful revenue, such as $20M or more, ideally in the tens or hundreds of millions, in ecommerce or adjacent industries.
Comfort with credit fundamentals, including discussing cash flow, underwriting considerations, and deal structuring.
Experience managing complex, multi-stakeholder sales cycles requiring internal alignment with underwriting, credit committees, or leadership, as well as external persuasion.
Demonstrated ability to self-source pipeline through outbound prospecting, networking, and relationship-building.
Genuine curiosity about how growing businesses operate financially and energy for solving their capital problems.

Nice To Haves

Familiarity with MEDDICC or a similar sales methodology.

Responsibilities

Own the full sales cycle, from self-sourced pipeline through close, for Mercury working capital products, including term loans and rolling lines.
Build and maintain a high-quality pipeline through self-prospecting, outbound campaigns, and strategic networking.
Conduct in-depth discovery into businesses’ growth trajectories, cash flow patterns, and capital needs.
Partner with underwriting to structure compelling, credit-sound offers for complex, high-value deals.
Build internal consensus across underwriting and the executive team to advance deals while maintaining credit quality.
Manage long, multi-stakeholder deal cycles involving founders, CFOs, and existing lenders or banking relationships; create urgency and maintain momentum.
Negotiate terms that work for both the business and Mercury while balancing growth ambitions with credit discipline.
Identify opportunities to expand customer relationships into Mercury’s banking, credit card, and treasury products.
Share market and customer insights to help shape Mercury’s working-capital underwriting and pricing.