客户执行官 - 信用与贷款产品
Account Executive - Credit & Lending Products
在建立Mercury的客户基础过程中，我们经历了许多挑战！随着我们在贷款业务上的持续增长，我们正在寻找一位经验丰富的信用和资本销售专业人士，以继续拓展我们的资本产品。该职位专注于向年销售额数百万美元的成熟、高价值中型企业进行销售。你需要具备成功的贷款销售经验，能够结构化并完成信用交易，同时还能在Mercury所闻名的快速、灵活的工作环境中茁壮成长。
你将与创始人和财务团队合作，深入了解他们的现金流和资本需求，并据此与承销团队共同制定合理的信用方案。该职位需要你自行建立优质企业的销售管道，从高质量的电商品牌开始，随后逐步扩展到其他年收入2000万至5亿美元的行业。你需要负责复杂的交易流程，这需要强大的银行关系以及在承销和高管团队之间进行真正的内部销售。
_*Mercury是一家金融科技公司，不是FDIC承保的银行。银行业务通过Choice Financial Group和Column N.A.提供，均为FDIC成员。_
#### **如果你符合以下条件，这可能就是适合你的职位：**
- 你之前销售过信用和贷款产品，无论是在金融科技贷款机构还是银行。
- 你不等待销售线索出现——你会主动通过外联、社交网络和关系建立去寻找它们。
- 你管理过耗时数月的交易流程，包括条款清单，并且能够在同一时间协调多个内部和外部利益相关者。
- 当承销团队拒绝你认为可行的交易时，你能理解原因，并知道如何重新设计一个对各方都有效的结构。
#### **你将：**
- 从自主获取的销售线索到成交，全程负责销售流程，向年收入2000万至5亿美元的高增长品牌销售Mercury的营运资金产品（定期贷款和滚动信贷额度）。
- 通过自主挖掘、外联活动和战略性社交网络，建立并维护高质量的销售线索。
- 进行深入调研，了解企业的增长轨迹、现金流模式和资本需求，然后与承销团队合作，为复杂、高价值的交易设计有说服力、信用稳健的方案。
- 在内部和外部一样积极地销售：在不牺牲信用质量的前提下，推动交易向前发展，建立承销团队和高管团队之间的共识。
- 管理长期、多阶段的交易流程。
查看英文原文
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