About Us We are a fast-paced, detail-driven financial services company specializing in Merchant Cash Advance (MCA) solutions. Built on a strong foundation of financial expertise, operational discipline, and risk awareness, we deliver tailored capital solutions to small and mid-sized businesses across the U.S. As we expand, we are seeking a professional, energetic, and highly organized Funding Operations Coordinator to strengthen our funding and collections infrastructure. This position plays a critical role in maintaining deal flow efficiency, minimizing risk, and collaborating with underwriting, legal, and sales teams to ensure operational excellence—especially across C & D paper tiers.
Role Overview The Funding Operations Coordinator – MCA will manage the end-to-end coordination of merchant submissions, scrubbing and validating files, facilitating funding calls, and performing ongoing soft collections and early recovery efforts. The ideal candidate has strong knowledge of MCA processes, understands risk-based collection strategies, and can work cross-functionally with sales, underwriting, and legal departments.
Key Responsibilities
Manage merchant submissions from application to funding: scrub files, validate documents, and maintain CRM accuracy
Assist with daily funding calls, coordinating across underwriting, sales, and funding teams to ensure timely and compliant disbursements
Conduct professional soft collection outreach for missed or returned payments
Monitor daily ACH activity, flagging NSFs, chargebacks, and anomalies to prevent portfolio deterioration
Maintain detailed internal records of merchant payment status and communication logs
Identify and escalate uncollectible accounts; coordinate with legal on transitions to hard collections
Track collection activity and generate weekly reports for management and senior leadership
Communicate and collaborate with external legal counsel and third-party collection agencies
Apply appropriate risk-tier strategies (A–D paper) in collection and retention efforts
Navigate state-specific legal guidelines for collections and recovery
Respond to merchant inquiries regarding account balances, payoffs, and statuses
Suggest and negotiate settlement or restructuring options for delinquent accounts
Support the development and refinement of internal collection processes and documentation standards
Assist in onboarding and training new team members on funding coordination and collections processes
Maintain regulatory compliance with internal policies and applicable laws (FDCPA-adjacent)
Qualifications
Bachelor’s degree in Business Administration, Finance, Legal Studies, or related field
3–4 years of experience in MCA, financial services, collections, legal support, or loan operations
Strong understanding of MCA funding structures, risk tiers (A–D paper), and underwriting/funding pipelines
Demonstrated experience in soft collections and merchant engagement with tact and professionalism
Familiarity with state-specific recovery laws and litigation processes (preferred)
Proficient in CRM systems, Excel, and payment platforms (ACH processing, merchant portals)
Highly organized with strong written/verbal communication skills
Ability to multitask in a high-volume, time-sensitive environment
Strong attention to detail and accountability under limited supervision
WE OFFER:
Health, dental, and vision insurance
Paid time off and holidays
Professional growth within a lean, fast-moving financial team
Exposure to a dynamic industry with cross-training in underwriting, legal, and portfolio strategy