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Funding Operations Coordinator – Merchant Cash Advance (MCA)

LA, CA
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
 
 

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