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.
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.
You will:
Lead, mentor, and support a team of Collections Agents, driving accountability and performance across business loan recovery activities
Set clear goals and performance expectations for the team, monitor KPIs, and conduct regular 1:1s, coaching sessions, and performance reviews
Develop and deliver training to ensure agents are equipped to handle complex negotiations and borrower conversations with professionalism and empathy
Proactively contact delinquent business clients to discuss past due balances, explore repayment options, and guide them toward resolution
Negotiate payment terms, settlements, and structured plans based on borrower needs, financial viability, and internal guidelines
Analyze borrower financial information and assess risk to tailor repayment solutions that support both the client and company objectives
Implement strategies to reduce days delinquent, charge-offs, and non-performing loan rates while enhancing recovery effectiveness
Maintain accurate and timely documentation of all borrower communications, agreements, and escalations in the collections system
Collaborate with Credit, Risk, and Legal teams to evaluate case complexity, align on strategy, and initiate legal recovery actions when necessary
Prepare supporting documents for litigation, arbitration, or repossession when appropriate, coordinating with internal counsel as needed
Serve as a key point of contact for borrowers in arrears, managing the relationship with professionalism and reinforcing Mulligan Funding’s values
Resolve borrower concerns and disputes, working to find win-win resolutions while protecting the company's financial interest
Ensure collections practices meet all regulatory and legal standards, including FDCPA and applicable state laws
Identify trends, pain points, and portfolio risks, and provide recommendations to senior leadership for continuous improvement
Partner with internal stakeholders to share feedback, contribute to process optimization efforts, and align collections strategies with broader business goals
Support 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 role
Proven experience managing a high-performing collections team in a commercial or financial services environment
Strong verbal and written communication skills, with a confident approach to negotiation and conflict resolution
Demonstrated ability to manage multiple priorities under pressure and meet recovery targets
Working knowledge of financial documents, business loan structures, and legal recovery processes
Proficiency in Microsoft Office (Excel, Word, PowerPoint) and familiarity with performance tracking tools
Bachelor’s degree in Finance, Business Administration, or a related field
You may also have:
Experience managing complex or high-volume business loan portfolios
Familiarity with debt collection laws, regulations, and compliance standards
Exposure to regulated financial environments or legal recovery actions
We offer:
Medical, vision, and dental benefits to support you and your family
Flexible Spending Accounts (FSA) for healthcare and dependent care expenses
A 401(k) with matching contributions
Paid time off, including vacation, holidays, and sick leave
Paid parental leave for growing families
A Lifestyle Spending Account (LSA) for wellness and athletic expenses
Employer-sponsored Life and AD&D policy, with optional additional coverage
A Learning Stipend for professional development
Employee Assistance Program (EAP) and travel assistance services
Complimentary snacks and refreshments in the breakroom
A referral program that rewards you for bringing in top talent
Company events to connect, celebrate, and grow together
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.
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