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About the Role
Mercury is seeking a seasoned credit and capital sales professional to grow its capital products by selling to established, high-value mid-market brands generating millions in annual sales revenue. This role involves understanding customer cash flow and capital needs, structuring credit-sound offers, and managing complex deal cycles.
Responsibilities
- 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.
Requirements
- 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.
Skills
- Credit sales
- Capital sales
- Lending
- Fintech
- Sales pipeline management
- Outbound sales
- Networking
- Relationship-building
- Deal structuring
- Underwriting
- Internal selling
- Stakeholder management
- Negotiation
- MEDDICC (preferred)
Location
- US employees in New York City
- US employees in Los Angeles
- US employees in Seattle
- US employees in the San Francisco Bay Area
- US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area
Work Type
- Full-time
Experience Level
- 3+ years of quota-carrying, closing experience
Salary/Compensations
- 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
Benefits
- Base salary
- Equity (stock options/RSUs)
- Benefits
About the Company
- Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
Equal Opportunity
- 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.