Senior Account Executive - Credit & Lending Products

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