Payments Sales Consultant

As a Payments Sales Consultant at Solutions by Text (SBT), you serve as the payments subject-matter expert and deal owner for FinText Payment Services opportunities. You partner closely with Core Sales to evaluate, shape, and advance payments opportunities—from initial intake through contract execution and implementation readiness.

This is a non-quota-carrying role focused on deal quality, speed, and execution. Success is measured by strong qualification, clean deal strategy, accurate modeling, effective cross-functional coordination, and successful handoff to Implementation.

Payments Opportunity Ownership

• Own payments opportunity intake and qualification, assessing fit across payment rails, compliance requirements, expected GPV/transaction volume, and commercial structure.
• Determine deal viability early and guide go/no-go decisions in partnership with Core Sales.

Discovery & Deal Strategy

• Lead payments-specific discovery alongside Core Sales, including current workflows, friction points, integration paths, stakeholder mapping, approval processes, and timelines.
• Shape and document a clear deal strategy and close plan aligned to customer and internal requirements.

Pricing & GPV Modeling

• Build and own pricing and GPV models, including volume assumptions, forecasts, pricing structures, and commercial terms.
• Partner with Finance and leadership to secure internal approvals and translate models into customer-ready proposals.

Solution Design & Cross-Functional Coordination

• Drive solution design in collaboration with Solutions Consultants, Implementation, Product, and external partners as needed.
• Define scope, requirements, dependencies, and technical approach to support successful deal execution.

Contracting & Deal Execution

• Support end-to-end contract execution in partnership with Sales and Legal, including MSAs, payments addenda, exhibits, redlines, and signature coordination.
• Ensure commercial and technical terms align with the approved deal strategy.

Implementation Readiness

• Coordinate implementation planning prior to formal handoff to ensure each closed deal has a clear onboarding plan, timeline, responsibilities, and technical path.
• Deliver a complete internal handoff package to enable a smooth and timely launch.

Pipeline & Continuous Improvement

• Maintain accurate and up-to-date payments pipeline data, including next steps, risks, dependencies, and forecasting inputs.
• Capture and route learnings to improve go-to-market execution and product strategy, including objections, pricing insights, integration friction, and recurring deal patterns.

• Confident, executive-ready communication (written + verbal) with the ability to simplify technical and commercial tradeoffs.
• 5+ years of experience in B2B solution selling, consulting, or deal leadership roles, with payments or fintech experience strongly preferred.
• Strong payments fundamentals, including processors, gateways, acquirers, card and ACH rails, settlement concepts, and working knowledge of disputes and chargebacks.
• Proven ability to build and defend pricing and GPV models using Excel or Google Sheets and translate them into clear customer-facing proposals.
• Experience supporting complex contract execution, including redlines, addenda/exhibits, internal approvals, and signature coordination.
• Strong discovery and deal-strategy skills, with the ability to assess current-state workflows and define a clear solution path.
• High level of CRM discipline, including pipeline hygiene, documentation, and next-step ownership.

• Experience selling into collections, consumer finance, lending, or other regulated financial services environments.
• Familiarity with text-to-pay or SMS-based engagement models and associated compliance considerations.
• Experience with service fee or convenience fee pricing models, or adjacent commercial constructs.
• Direct experience working with payment partners such as processors, gateways, ISOs, or sponsor banks, including onboarding and implementation dependencies.

• Adhere to the Company’s Code of Conduct and Ethics.
• Build and maintain strong working relationships across Sales, Implementation, Product, Legal, Finance, and partner teams.
• Effectively prioritize and manage multiple concurrent opportunities.
• Project a professional and appropriate company image in all interactions with clients, partners, and internal stakeholders.
• Contribute positively to the company’s professional culture and collaborative working environment.
• Maintain and grow a professional network that supports continuity as clients change roles or organizations.
• Ability to travel up to 25% as needed.
• Ensure the security and confidentiality of company, client, and consumer information.

About Solutions by Text

Solutions by Text (SBT) was founded with the mission to deliver impactful conversational messaging and convenient payment solutions. Built on wireless carrier industry best practices, SBT is the only compliance-first provider of enterprise texting solutions in the market. More than 1,400 consumer finance organizations, including leading brands in auto finance, banking and lending, trust SBT to ensure convenient, effective, and compliant relationships with their millions of consumers. SBT is headquartered in Princeton, NJ  with remote teams and offices throughout the United States. 

Solutions By Text (SBT) is changing the way highly regulated businesses engage, interact and transact with customers via their mobile devices. Since adding its first customer, SBT has quickly become the leading text provider to consumer finance companies and various other regulated industries. Recognized as part of the Inc. 5000 fastest growing companies as well as Best Places to Work, SBT continues to evolve and expand through the addition of great employees who desire an exciting, collaborative culture.

Solutions By Text is committed to promoting the values of diversity and inclusion throughout the business.  Whether it is through recruitment, retention, career progression or training and development, we are committed to improving opportunities for people regardless of their background or circumstances.