Recovery Analyst

Mulligan Funding • San Diego, CA

3d • Onsite

About The Position

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.

Requirements

• 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.
• Strong problem-solving and critical thinking skills.
• Excellent organization and time management abilities.
• Proficiency with Microsoft Excel and CRM systems such as Salesforce.

Nice To Haves

• Experience reviewing financial information such as bank statements or business financial documents is preferred.
• Experience working in commercial lending, fintech, or financial services is a plus.

Responsibilities

• 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.

Benefits

• $73,000 - $101,700 a year
• 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.
• 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.
• We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information.
• These tools assist our recruitment team but do not replace human judgment.
• Final hiring decisions are ultimately made by humans.
• If you would like more information about how your data is processed, please contact us.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level