Account Representative

Mulligan Funding is a San Diego based fintech lender to the Small and Medium Sized Business market. We are building a deeply researched and first-of-it’s-kind, Agentic AI complete funnel automation strategy. Mulligan has decades of deep credit underwriting and analytics expertise, combined with rich data from almost a million applications and billions of dollars funded via a wide loan size of $10k to $10 million. We are a mission-driven company, focused on solving the SMB market’s access to the fast and affordable capital they need to thrive by re-inventing how credit risk is measured, priced, and negotiated. We combine a generational-technology with unwavering integrity and a human touch.   Mulligan Funding is experiencing strong growth and seeks a self-motivated, high-performing Account Representative to join our Account Servicing and Collections Team. In this role, you will build and foster relationships with business owners who have borrowed from Mulligan Funding and require repayment assistance. Financial roadblocks happen—our job is to build the bridge over them. You won't just collect payments; you’ll analyze business finances, partner with clients facing tough times, and engineer win-win repayment strategies while earning through an aggressive commission plan.

You will:

• Manage and strategically service an assigned portfolio of delinquent commercial loan accounts.
• Conduct proactive, high-impact outreach to negotiate realistic repayment structures, debt workouts, and settlements.
• Utilize advanced skip-tracing tools and investigative techniques to locate hard-to-reach accounts and uncover new contact channels.
• Leverage Salesforce CRM and specialized Credit & Collections software to track portfolio performance and document strategic account plans.
• Uncover the root causes of financial delinquency and deliver creative, custom-tailored repayment plans that restore accounts to good standing.
• Partner closely with internal risk, operations, and compliance teams to ensure strategies meet both business goals and regulatory standards.

You have:

• 2+ years of proven success in collections, credit resolution, or financial services.
• High School Diploma or GED required.
• Proficiency with Salesforce CRM and specialized Credit & Collections software.
• Strong MS Excel skills to organize, filter, and analyze portfolio metrics.
• Hands-on expertise in outbound collection calling and skip-tracing methodologies.
• Exceptional communication, high-stakes negotiation, active listening, and conflict resolution skills.
• High emotional intelligence and natural empathy to navigate sensitive financial conversations while maintaining firm business boundaries.
• Strong analytical mindset, critical thinking, and creativity to design custom debt resolution plans.
• High adaptability, strong organizational skills, and precise time management to balance portfolio priorities in a fast-paced environment.
• A collaborative mindset to work effectively alongside internal teams and clients.

We offer:

• Comprehensive medical, vision and dental benefits that give you peace of mind.
• Flexible Spending Accounts (FSA) that let you use pre-tax dollars to cover healthcare expenses.
• A fantastic 401K with matching contributions that helps you plan for retirement and build wealth over time.
• Generous sick, vacation, and holiday benefits that give you the time and flexibility you need to enjoy life.
• A gym membership contribution that supports your well-being, and helps you stay energized and focused.
• An internal referral program that rewards you for bringing talented people to the team.
• Company events that foster a positive and inclusive culture, and create opportunities to bond and grow with your colleagues. Mulligan Funding is an Equal Opportunity Employer (EOE) and takes great pride in building a diverse work environment. Qualified applicants are considered for employment without regard to age, race, religion, gender, national origin, sexual orientation, disability or veteran status.