Overview
You're selling a cross-border payments solution to U.S. enterprisesācompanies that need to pay vendors, employees, or partners internationally. Your buyers are typically finance/treasury leaders, operations executives, and sometimes CFOs. The sales cycle is 3-6 months because you're asking them to change how they move money, which involves legal review, treasury approval, integration work, and often a pilot period.
Role Snapshot
| Aspect | Details |
|---|---|
| Role Type | Full-cycle AE (Growth Manager title) |
| Sales Motion | Outbound-heavy with some inbound leads |
| Deal Complexity | Enterprise/Strategic |
| Sales Cycle | 3-6 months |
| Deal Size | $50K-250K ACV (estimated based on enterprise fintech) |
| Quota (est.) | $750K-1.2M annually |
Company Context
Stage: Likely Series B-C (based on aggressive multi-region hiring)
Size: Unknown, but expanding rapidly across 6+ countries
Growth: Hiring 12+ Growth Managers globally suggests strong funding round and aggressive market expansion
Market Position: Challenger in a crowded cross-border payments space (competing with Wise, Airwallex, Payoneer, traditional banks)
GTM Reality
Pipeline Sources:
- 70% Outbound - You're building lists of companies with international operations, cold calling finance leaders, using LinkedIn to identify treasury/AP teams
- 20% Inbound - Some leads from content/partnerships, but this isn't a high-volume inbound motion
- 10% Referrals - Existing customers introducing you to similar companies
SDR/AE Structure: Likely self-sourcingā"Growth Manager" typically means you own both hunting and closing
SE Support: Probably shared or on-demand for technical integrations/API demos
Competitive Landscape
Main Competitors: Wise (formerly TransferWise), Airwallex, Payoneer, traditional banks with FX desks, PayPal/Braintree for some use cases
How They Differentiate: Likely positioning on speed, transparency, better FX rates, or specific corridor coverage (depends on their network)
Common Objections: "We already use our bank," "Wise is cheaper," "Too risky to change payment rails," "Integration is too complex," "Need more currency coverage"
Win Themes: Cost savings on FX, faster settlement times, better UX than banks, compliance/licensing in key markets
What You'll Actually Do
Time Breakdown
Prospecting (35%) | Active Deals (40%) | Internal (25%)
Key Activities
- Outbound prospecting: Building target lists of companies with international vendors/payroll, cold calling CFOs/treasury directors, LinkedIn outreach. You're trying to book 8-10 discovery calls per week.
- Running discovery calls: Understanding their current payment setup, where they send money, what they're paying in fees, pain points with their bank or current provider. Most calls end with "we'll think about it."
- Navigating buying committees: You need sign-off from finance, treasury, legal, sometimes procurement. Lots of time spent chasing people for the next meeting. Deals slip quarters regularly.
- Building business cases: Creating ROI models showing FX savings and time saved. You'll need to get actual data from their AP team on current fees and volumes.
- Managing pilots/POCs: Many deals start with a test transaction or limited pilot. You're coordinating with their AP team and your implementation team to make it smooth.
- Internal syncs: Weekly forecasting with your manager, product feedback sessions, coordinating with customer success on onboarding timelines.
The Honest Reality
What's Hard
- Long sales cycles with lots of stalls: You're asking companies to change critical financial infrastructure. Legal reviews take weeks. Treasury teams are conservative. Deals you thought would close this quarter slip to next quarter constantly.
- Cold outbound is a grind: Most finance leaders don't answer cold calls. Your email response rate is 2-3%. You need thick skin for rejection and persistence to break through.
- You're competing against inertia: "Our bank works fine" is your biggest competitor. Even when you show clear cost savings, change management is hard. Decision-makers ghost after initial interest.
What Success Looks Like
- Closing 2-3 enterprise deals per quarter ($150K+ ACV each)
- Building a pipeline of 20-25 active opportunities at various stages
- Converting 15-20% of discovery calls to serious evaluation (business case/pilot stage)
Who You're Selling To
Primary Buyers:
- VP Finance/Treasury at companies with international operations (500-5000 employees)
- CFOs at mid-market companies expanding globally
- Heads of Operations at marketplaces/platforms that pay international sellers
What They Care About:
- Cost reduction: FX spreads and wire fees add upāthey want transparent pricing and proof of savings
- Speed and reliability: International payments through banks can take 3-5 days; they need faster settlement
- Compliance: They need to know you're licensed/regulated in the countries they operate in
- Integration effort: How hard is it to plug into their ERP/AP system (NetSuite, SAP, etc.)
Requirements
- 4-6+ years in B2B sales, preferably in fintech, payments, or financial services
- Experience selling to finance/treasury buyers (not just IT buyers)
- Track record with 4-6 month sales cycles and $50K+ deal sizes
- Comfortable with self-sourced pipeline (not just working inbound leads)
- Understanding of cross-border payments, FX, or international business operations helpful but not required