Director, Treasury & Capital Markets

Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital (Up to $5M) 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 Director, Treasury & Capital Markets , you will own and oversee Mulligan Funding’s capital strategy end-to-end. This role is responsible for sourcing, structuring, and managing diverse funding channels, including securitizations, warehouse facilities, and other institutional capital sources. You will play a critical role in ensuring the company’s liquidity, balance sheet strength, and ability to scale responsibly, overseeing and deploying hundreds of millions of dollars in capital while working closely with executive leadership and external partners.
This is an onsite role based in San Diego, operating on a 3 days in-office / 2 days remote hybrid schedule. Given the nature of the role and its close partnership with executive leadership and external capital partners, regular in-person collaboration is essential.
You will:

Oversee all treasury and capital markets activities, including liquidity management, funding strategy, and balance sheet optimization
Source, structure, and execute securitizations, warehouse lines, and alternative financing arrangements to support business growth
Manage relationships with banks, institutional investors, trustees, rating agencies, and other capital partners
Lead negotiations of financing agreements, covenants, pricing, and terms across multiple funding sources
Monitor compliance with funding agreements, covenants, and reporting requirements
Develop and maintain cash flow forecasts, liquidity models, and capital planning analyses
Partner closely with the CFO and executive leadership to align capital strategy with business objectives and risk tolerance
Analyze market conditions and proactively identify new capital opportunities to diversify and optimize funding
Support due diligence processes related to financing transactions, audits, and investor reporting
Collaborate cross-functionally with Finance, Credit, Legal, and Operations to ensure efficient deployment and use of capital
Operate as an individual contributor with full ownership of treasury and capital markets strategy and execution
Performs other duties as assigned

You have:

7+ years of experience in treasury, capital markets, structured finance, or a related field within financial services, fintech, or specialty lending
Demonstrated experience executing securitizations, warehouse facilities, or other complex debt financing transactions
Strong understanding of balance sheet management, liquidity planning, and funding risk
A bachelor’s degree in finance, accounting, economics, or a related field (MBA or CFA a plus)
Proven ability to independently manage large-scale capital flows and external counterparties
Exceptional financial modeling, analytical, and quantitative skills
Strong negotiation, communication, and stakeholder management capabilities
High degree of ownership, judgment, and comfort operating in a fast-paced, high-impact environment
Proficiency with financial systems, modeling tools, and Microsoft Office / G-Suite

We offer:

Medical, vision, and dental benefits to support you and your family
Flexible Spending Accounts (FSA) for eligible healthcare and dependent care expenses
A 401(k) with matching contributions to help you plan for retirement
Paid time off, including sick leave, vacation, and holidays
Paid parental leave for growing families
A Lifestyle Spending Account (LSA) for athletic and wellness expenses
An employer-sponsored Life and AD&D policy, with options for additional coverage
A Learning Stipend for professional development activities
An Employee Assistance Program (EAP) and travel assistance services
Complimentary snacks and refreshments in the breakroom
A referral program that rewards you for bringing in top talent
Company events to connect, celebrate, and grow together

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. 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.
The base salary range for this Director-level role is $197,300 – $265,400 per year. Compensation is determined by a range of factors, including market data, relevant experience, transaction history, skills, education, and certifications. Additional incentive or bonus eligibility may be available depending on role scope and performance.