Account Representative

Mulligan Funding, LLC

Account Representative joining a fast-growing funding provider in San Diego. Building relationships with business owners for repayment assistance and mitigating losses.

Posted 4/15/2026full-timeSan Diego • California • 🇺🇸 United StatesJuniorMid-Level💰 $24 - $32 per hourWebsite

About the role

Key responsibilities & impact

Consistently meet and exceed daily and monthly quotas by diligently working towards collection targets and contributing to the team's overall success.
Develop genuine relationships with small business owners by understanding their unique situations and showing empathy and support throughout the collections process.
Actively mitigate Mulligan Funding's monthly losses by employing effective collections strategies and offering creative repayment solutions for clients.
Utilize exceptional sales and negotiation skills to arrange payment plans and settlements with delinquent merchants, focusing on achieving mutually beneficial outcomes.
Pre-qualify merchants for workouts and modifications to existing fundings by thoroughly reviewing their financial situation and determining their eligibility for alternative repayment options.
Conduct comprehensive risk evaluations of merchants by assessing their financial health, credit history, and other relevant factors to determine the likelihood of repayment.
Provide continuous feedback to our Underwriting and Credit teams on potential trends in our delinquency population, contributing to the ongoing improvement of our risk assessment and management processes.

Requirements

What you’ll need

A High School Diploma or equivalent; AA or Bachelor's degree preferred.
A minimum of 2 years' experience collecting commercial debt.
Comprehensive knowledge of FDCPA, state, and federal laws.
Advanced skip tracing techniques preferred.
Exceptional listening and negotiation skills.
Excellent verbal and written communication skills.
An ability to multitask during conversations.
Proficiency in Excel, Word, and Salesforce.
Strong analytical skills for reviewing bank statements and company P&L.
Professional demeanor and attitude.

Benefits

Comp & perks

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.

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

collections strategiesnegotiation skillsskip tracing techniquesrisk evaluationsfinancial analysisreviewing bank statementsP&L analysis

Soft Skills

sales skillsempathycommunication skillslistening skillsmultitaskingprofessional demeanor

Certifications

High School DiplomaAA degreeBachelor's degree