Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital ($5K - $2M) to the small and medium-sized businesses that fuel our country. Since 2008, we have prided ourselves on our collaborative, innovative, and customer-focused approach. Enjoying a period of unprecedented growth, driven by the combination of cutting-edge technology, human touch, and unwavering integrity, we are looking to add to our people first culture, with highly motivated and results-oriented professionals, to push the limits of what’s possible while creating value for all of our partners.
The
Manager, Collections is responsible for leading Mulligan Funding’s business loan collections function, overseeing a team of agents dedicated to recovering delinquent accounts. Reporting to the Vice President of Account Servicing and Collections, this role plays a critical part in executing our loan recovery strategy while preserving strong borrower relationships and maintaining regulatory compliance.This is a hands-on leadership role that requires excellent negotiation skills, operational discipline, and a results-driven mindset. You will partner with Credit, Risk, and Legal to reduce losses, improve recovery processes, and ensure a consistent borrower experience.
You will: Lead, mentor, and support a team of Collections Agents, driving accountability and performance across business loan recovery activitiesSet clear goals and performance expectations for the team, monitor KPIs, and conduct regular 1:1s, coaching sessions, and performance reviewsDevelop and deliver training to ensure agents are equipped to handle complex negotiations and borrower conversations with professionalism and empathyProactively contact delinquent business clients to discuss past due balances, explore repayment options, and guide them toward resolutionNegotiate payment terms, settlements, and structured plans based on borrower needs, financial viability, and internal guidelinesAnalyze borrower financial information and assess risk to tailor repayment solutions that support both the client and company objectivesImplement strategies to reduce days delinquent, charge-offs, and non-performing loan rates while enhancing recovery effectivenessMaintain accurate and timely documentation of all borrower communications, agreements, and escalations in the collections systemCollaborate with Credit, Risk, and Legal teams to evaluate case complexity, align on strategy, and initiate legal recovery actions when necessaryPrepare supporting documents for litigation, arbitration, or repossession when appropriate, coordinating with internal counsel as neededServe as a key point of contact for borrowers in arrears, managing the relationship with professionalism and reinforcing Mulligan Funding’s valuesResolve borrower concerns and disputes, working to find win-win resolutions while protecting the company's financial interestEnsure collections practices meet all regulatory and legal standards, including FDCPA and applicable state lawsIdentify trends, pain points, and portfolio risks, and provide recommendations to senior leadership for continuous improvementPartner with internal stakeholders to share feedback, contribute to process optimization efforts, and align collections strategies with broader business goalsSupport strategic initiatives and department-wide projects as assigned by leadership You have: A minimum of 5–7 years of experience in loan collections or recovery, including 2+ years in a leadership or supervisory roleProven experience managing a high-performing collections team in a commercial or financial services environmentStrong verbal and written communication skills, with a confident approach to negotiation and conflict resolutionDemonstrated ability to manage multiple priorities under pressure and meet recovery targetsWorking knowledge of financial documents, business loan structures, and legal recovery processesProficiency in Microsoft Office (Excel, Word, PowerPoint) and familiarity with performance tracking toolsBachelor’s degree in Finance, Business Administration, or a related field You may also have: Experience managing complex or high-volume business loan portfoliosFamiliarity with debt collection laws, regulations, and compliance standardsExposure to regulated financial environments or legal recovery actions We offer: Medical, vision, and dental benefits to support you and your familyFlexible Spending Accounts (FSA) for healthcare and dependent care expensesA 401(k) with matching contributionsPaid time off, including vacation, holidays, and sick leavePaid parental leave for growing familiesA Lifestyle Spending Account (LSA) for wellness and athletic expensesEmployer-sponsored Life and AD&D policy, with optional additional coverageA Learning Stipend for professional developmentEmployee Assistance Program (EAP) and travel assistance servicesComplimentary snacks and refreshments in the breakroomA referral program that rewards you for bringing in top talentCompany events to connect, celebrate, and grow together Additional Information Mulligan Funding is an Equal Opportunity Employer (EOE) and takes great pride in building a diverse and inclusive workplace. Qualified applicants are considered for employment without regard to age, race, religion, gender, national origin, sexual orientation, disability, or veteran status.
Compensation A reasonable estimate of the salary range for this role is $73,000 to $101,700 per year plus monthly incentives. In order to provide a competitive compensation package, Mulligan Funding takes into account a variety of factors including but not limited to market compensation data, relevant experience, skills, education, and certifications.
