Account Executive, Mid-Market

The opportunity: Pay Tomorrow is the consumer lending platform for the 62% of US consumers that Affirm and Klarna walk past. We're a profitable, differentiated business with a unique position in the market — proprietary near-prime lending wrapped around a multi-lender platform — and we're scaling the team to push PT Lending past $100M over the next three years. We've just built an AI-powered ICP scoring tool that tells you which merchants are actually worth your time before you make the first call. You'll spend your day on accounts that fit — not dialing through lists. The candidates who'll do well here are the ones who'd rather build a book that compounds than chase quick wins, and who back themselves to outperform from month one.

What you'll do: •      Hunt mid-market e-commerce merchants doing $5–40M in revenue, 2–5 years old, currently running Affirm only — focused on our highest-converting verticals: auto & auto accessories, tires & rims, durable medical equipment, and sporting goods•      Run consultative sales cycles with founders and owner-operators•      Build merchant partnerships that compound: our reps earn evergreen commission on every account they bring in, for the life of the merchant•      Work alongside our merchant success team to make sure every merchant you sign actually produces•      Hit a target of $50K/month in incremental new fundings by Month 5 Who we're looking for•      5–10 years B2B sales experience, with a real outbound hunter motion•      Consumer lending, BNPL, fintech, or payments background preferred but not required•      Comfort with modern sales tooling — Hub Spot, Zoom Info, and the AI tools we're building internally•      Self-starter mentality, especially if you're working remote•      You know how to build a multi-month pipeline and you don't need leads spoon-fed Who we're not looking for•      Pure enterprise sellers used to 12-month procurement cycles•      Order-takers•      Anyone currently at Affirm, Klarna, Afterpay, or similar — wrong motion, conflict of interest Compensation•      $80K–$100K base depending on experience•      Uncapped commission with an evergreen structure you won't find anywhere else in BNPL: full rate for the first 18 months, half rate for the next 18, then a quarter point on every merchant you sign for the life of the merchant.•      Realistic Year 1 OTE: $150–175K. Year 2: $200–235K. Top performers earn $400K+ as their book compounds.•      100% employer-paid employee health coverage (dependents available at cost)•      Real growth path — strong performers move into senior AE or specialist roles as the team scales

How to apply: Click apply to start, and send us two things:•      Your resume. The current version is fine — we care about the numbers you put up, not the formatting.•      A cover letter, 300 words maximum. Don’t summarize your resume. Answer one question instead: describe a territory, segment, or product where you started with nothing — no inbound, no warm list, no brand recognition — and tell us exactly how you built pipeline. What you did in the first week, where the first real meeting came from, and what that territory was producing six months later. Specifics and numbers beat adjectives. We’d rather read one honest account of a hard build than a polished letter about your philosophy of sales. Please send both your resume and cover letter to Ben Collins at bcollins@paytomorrow.com. We read every application ourselves and respond within five business days.