---
title: 'Account Representative at Mulligan Funding'
canonical: 'https://feeny.ai/job/account-representative-mulligan-funding-san-diego-f7y55qcsq8sd'
type: 'job'
last_seen: '2026-10-14'
---

# Account Representative at Mulligan Funding

- **Company:** Mulligan Funding
- **Location:** San Diego, CA
- **Compensation:** $24–$32/hr
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-10-05
- **Last confirmed live:** 2026-10-14
- **Apply:** https://jobs.lever.co/mulliganfunding/d2d34f44-1a8a-4b86-b7a1-4a7a0577e876

## Job description

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.

## About Mulligan Funding

## Company Overview
- **One-liner**: Mulligan Funding provides fast access to working capital loans and business term loans for small and medium-sized businesses across the United States.
- **Entity Type**: Private (Debt-financed; total funding of $135M, including $120M debt facility in 2024)
- **Headquarters**: San Diego, California, United States
- **Founded**: 2008
- **Founders**: Not publicly disclosed

## Core Business
- **Primary industry**: Financial Services – Alternative Lending / Working Capital
- **Target customers**: Small and medium-sized businesses (SMBs) in all 50 U.S. states and D.C. (B2B)
- **Mission / purpose**: Serve as a trusted, relationship-first source of working capital for the SMBs that fuel the economy. “Putting relationships before everything else.”

## Products & Services
- **Working Capital Loans**: The flagship product. Funds available as soon as the same business day after approval; repayment terms of 3–24 months; loan amounts up to $10M. Customized to each business’s situation.
- **Business Term Loans**: Alternative funding option for businesses needing larger, fixed-term capital.
- **Renewal Services**: Existing clients can access additional funding cycles.

## Market Standing
- **Valuation**: Not disclosed
- **Key Metric**: Total funding of $135M (debt and equity) – most recently a $120M debt facility in December 2024. Annual revenue estimated at $15.9M (LTM).
- **Notable Investors / Partners**: Debt financing from institutional lenders; prior venture rounds (2022: $10M, 2023: $5M) – specific investors not listed in provided sources.
- **Growth Signals**: 
  - Provided over $3 billion in cumulative funding to nearly 15,000 SMBs since 2008.
  - Investing in AI-driven underwriting tools to improve speed and consistency.
  - LinkedIn followers grew ~38% YoY (7,463 total), indicating growing brand awareness.
  - Headcount of ~90 employees (down 14.1% YoY, reflecting a potential restructuring or efficiency focus).

## Competitive Advantages
- **Speed and access**: Approval in as few as a few hours, funding as soon as the same business day.
- **Human touch**: Dedicated loan advisors review each application rather than a fully automated system, building long-term client relationships.
- **Customized terms**: Loan amounts up to $10M with flexible repayment periods (3–24 months), tailored to each business’s cash flow.
- **Track record**: 16+ years in business, trusted by thousands of SMBs across all 50 states.

## Strategic Focus
- **Technology modernization**: Building a “next version” of Mulligan Funding by combining credit expertise with modern AI to streamline underwriting and enhance customer experience while preserving human judgment.
- **Continued lending growth**: Focus on serving SMBs with working capital needs, leveraging the large 2024 debt facility to scale originations.
- **Talent investment**: Hiring data scientists for funnel analytics and optimization (roles in San Diego and San Francisco, up to $250k salary) to drive data-driven decision-making.

## Why Work Here
- **Culture**: Family-owned business with a “people first” culture that values relationships, integrity, and collaboration. Employees report above-average work wellbeing (score 74/100 on Indeed).
- **Work policy**: Hybrid – roles in San Diego and San Francisco with flexibility.
- **Compensation**: Competitive base salaries (e.g., Staff Data Scientist $180k–$250k; Recovery Analyst $73k–$101k) with recognition and rewards for talent and work ethic.
- **Engineering culture**: Opportunity to work on cutting-edge underwriting AI while maintaining a human-centric approach. Small, agile team where contributions are visible.
- **Career growth**: Emphasis on recognizing and rewarding talent; you won’t “get lost in the shuffle.”
- **Note**: AI tools are used to support parts of the hiring process (resume analysis, application review), but final decisions are made by humans.

## Sources
1. [Mulligan Funding Website](https://www.mulliganfunding.com/)
2. [Mulligan Funding Careers Page (Lever)](https://jobs.lever.co/mulliganfunding/)
3. [LinkedIn – Mulligan Funding, LLC](https://linkedin.com/company/mulligan-funding-llc)
4. [Indeed – Mulligan Funding, LLC Careers and Employment](https://www.indeed.com/cmp/Mulligan-Funding,-LLC)

## Other roles at Mulligan Funding

- [Partner Relationship Executive](https://feeny.ai/job/partner-relationship-executive-mulligan-funding-san-diego-gv8c5k536jvk) — San Diego, CA
- [AI Product Manager](https://feeny.ai/job/ai-product-manager-mulligan-funding-san-francisco-kqb9q3164pdz) — San Francisco, CA
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