Recovery Analyst

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. 

As a Recovery Analyst, you will work directly with business owners experiencing financial hardship to identify solutions, resolve delinquent accounts, and support recovery efforts across our portfolio.

This role combines customer relationship management, collections, problem solving, and financial analysis. You will review account activity, assess repayment challenges, and work with customers to explore repayment plans, settlements, and other workout options that help achieve positive outcomes for both the customer and Mulligan Funding.

The ideal candidate is a strong communicator who can balance empathy with accountability, navigate difficult conversations, and think critically when evaluating customer situations.

You will:

• Manage a portfolio of delinquent and distressed accounts.
• Contact customers by phone, email, and other communication channels to discuss repayment options and resolve outstanding balances.
• Review bank statements, account activity, and financial information to better understand a customer's financial situation.
• Work with business owners to identify repayment solutions, including payment arrangements, settlements, and other recovery options.
• Negotiate payment plans and recovery agreements while maintaining positive customer relationships.
• Document account activity, customer interactions, and recovery efforts accurately and thoroughly.
• Monitor repayment arrangements and follow up on outstanding commitments.
• Escalate complex accounts and legal matters to the appropriate internal teams.
• Identify trends and provide feedback that may help improve recovery strategies and portfolio performance.
• Maintain compliance with all company policies and applicable regulations.

You have:

• Bachelor's degree or equivalent combination of education and experience.
• 2+ years of experience in collections, account servicing, recovery, loan servicing, financial services, or a related field.
• Strong communication and negotiation skills.
• Ability to build rapport and manage challenging customer conversations professionally.
• Experience reviewing financial information such as bank statements or business financial documents is preferred.
• Strong problem-solving and critical thinking skills.
• Excellent organization and time management abilities.
• Proficiency with Microsoft Excel and CRM systems such as Salesforce.
• Experience working in commercial lending, fintech, or financial services is a plus.

Success in This Role

You are comfortable having difficult conversations while maintaining professionalism and empathy.
You can evaluate customer situations and identify practical solutions.
You are detail-oriented and able to manage multiple accounts simultaneously.
You are motivated by achieving positive outcomes for both customers and the business.
You enjoy working in a fast-paced, collaborative environment.