Description review
Senior Account Executive - Credit & Lending Products
Mercury · San Francisco, CA, New York, NY, Portland, OR, or Remote within United States · back to the listing
HR standards
59/100
needs work
Title ↔ description
91/100
strong
Reads as
Sales Representative
100% confident
What this role officially is
commercial sales representative — ESCO, the EU occupation classification
Commercial sales representatives represent a company in selling and providing information on goods and services to businesses and organisations.
Also known as: field sales representative, technical and commercial sales executive, field sales executive, sales and marketing consultant, business development representative, technical and commercial sales representative
How others title the same work
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What the listing never says
- 19 bullet points. Long requirement lists deter qualified candidates, who read them as hard gates. Scope clarity
- No section describes what the person would actually do. Scope clarity
- No pay range published. Candidates cannot tell whether applying is worth their time. Pay transparency
The listing, marked up
Nothing in the wording of this listing tripped a check. The scores above still judge how complete and coherent it is.
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.
#LI-CJ1
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
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.
#LI-CJ1
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