Payment Operations Manager

At Mudflap, we're modernizing the $1 trillion trucking industry, the backbone of the U.S. economy. By helping over 100,000 underserved small businesses save over $1.5 billion on fuel, Mudflap has quickly grown into a profitable fintech platform that processes billions in annual payment volume.

As a Manager of Payment Operations at Mudflap, you'll lead how we support small trucking operators whose income doesn't always arrive on a predictable schedule. You'll oversee payment disputes and escalations, manage payment flexibility, and own collections when accounts become genuinely delinquent. You'll also establish the standards, metrics, and playbooks that make our payment operations consistent, effective, and scalable.

This role sits at the center of several teams and requires someone who can build strong working relationships across all of them:

• 5+ years of experience in payment operations, collections, or credit risk, ideally within B2B/commercial unsecured credit or a lending-adjacent business.

• Proven experience managing teams, including hiring, coaching, and performance management.

• Strong understanding of key performance metrics, including delinquency aging and recovery rates, with the ability to balance customer flexibility against credit loss.

• High customer empathy, paired with the judgment and discipline to make firm decisions when the numbers call for it.

• Working knowledge of debt collection compliance, including FDCPA and state equivalents, with experience partnering with Legal/Compliance on policy development.

• A builder's mindset, with the ability to create structure, processes, and tooling where they don't already exist, rather than relying solely on established systems.

• Proficiency in using data and AI tools to identify patterns, inform decisions, and shape policies at scale, beyond resolving individual cases.

Mudflap is on a mission to transform the trucking and logistics industry by leveling the playing field for owner operators and small fleets. Backed by top-tier venture investors, including QED, Matrix Partners, Commerce Ventures, NFX, and 500 Startups and included in the Forbes Fintech 50 list, Mudflap offers fleet fuel management solutions. Our core team hails from Disney, Uber, Procore, DoorDash, Google, Meta, Capital One, Affirm and Brex.

Here are the core values that we believe in and look for in new teammates:

• Be Customer Obsessed: We deeply understand customer needs and put our customers at the center of everything we do

• Make it Count: Act like an owner by focusing on the impact of your work

• Find a Way: Be a creative problem solver who pushes past roadblocks to win for our customers and our teammates

• Sweat the Details: We keep our standards high and achieve them by paying attention to every detail

• Be Curious: Use a growth mindset to question assumptions, take calculated risks and stretch the boundaries of what’s possible