Contact Us

Please fill in the form below and we will be
in touch shortly:


Taking a Mulligan into Credit

December 13, 2017

Jackie Mulligan, North American Credit Operations Manager at Procter and Gamble (P&G), initially aspired to be a business educator, but as it turned out, she ended up taking a position in credit operations at Procter & Gamble.

Jackie Mulligan, North American Credit Operations Manager at Procter and Gamble (P&G), initially aspired to be a business educator, but as it turned out, she ended up taking a position in credit operations at Procter & Gamble. Jackie’s “mulligan” has led her to a successful career in credit where she is recognized as a leader in the industry, having been with P&G for over 25 years, and having served on several boards of trustees, including her current seat on the board of the Credit Research Foundation.


ABC-Amega’s Senior Vice President of Business Development, Domenic Di Loreto, recently spoke with Jackie about her experience as a female leader in the historically male-dominated field of credit and collections.

DD: How did you get into the credit field?

JM: I got into credit by accident really.  When I graduated from Indiana State, business teachers were losing their jobs, because enrollment in business classes was down. After an unsuccessful attempt at finding a teaching job, I decided to apply at Procter & Gamble with the hope that my business degree would get me in the door, and it did! My first job within Procter & Gamble was in the credit operations department doing credit assessments and financial analysis and some collection work.


DDWhat challenges, if any, have you faced being a woman in this industry?

JM: I have never experienced any significant hurdles from being a female. I believe that some of the women in the field before me may have helped pave the way. Not all obstacles were cleared in the early 90’s when I began, but by the time I got into industry groups and moved up in the company, my gender was never an issue. I also feel that working for a large, well respected company helps, where if I was with a smaller company’s credit department, I might not have had the same experience. 

DD: Are there any programs or initiatives dedicated to bringing more women into the field?


JM: I’m not involved in anything formal. However, my team at P&G is made up entirely of women.  We love working with each other, and we all work well together…we’re like best friends. My team is willing to help each other, and it makes our culture great. I advocate for women inside and out of my organization. If there are open seats on any of the boards I sit on, I always suggest we look at women candidates.  


DD: How has the industry changed over the years?

JM: The biggest change has been the technology. When I began my career, 10 people shared 1 computer, we used carbon paper and fax machines…technology has changed a ton! Also, office culture has transformed. Employees are working flexible hours, some from home, and dress codes have shifted from blazers and dresses to much more casual dress. The work itself, however, hasn’t changed. What matters is what’s coming in and what’s going out, the fundamentals remain the same.  

DD: What advice would you give, particularly to women, thinking about getting into the credit industry?

JM: Pursue a degree in accounting or finance.  When you graduate, and get your first role in the credit field, leverage credit industry groups.  Become a member of the groups and obtain as much education as you can early in your career.  These groups are where you will really get your education in Credit & A/R.  When you go to meetings, sit at the table, don’t take a seat in the back, step up and lead.  Also, when I speak with women, I remind them to be confident in their ability and let it show, without being arrogant.  Confidence is important as you manage up in your line, mange your staff, and work externally. 


More Media
    4 de Setembro de 2019
    Positive record

    A Law has been published making adherence to the positive register automatic

    Supplementary Law 166/19 was published in the DOU of this Tuesday, 9th April.

  • Celia Korn / Octavio Aronis
    31 de Janeiro de 2019
    A Good Translation Helps Minimize Collection Issues

  • Octavio Aronis
    14 de Novembro de 2018
    Keeping the Global Collection Assembly Line Moving

    A strong export economy is like a very dynamic manufacturing assembly line, in which thousands of parts are required to complete the final product. And among all the parts assembled, the one lubricating factor to keep the line from coming to a complete halt is having sufficient cash flow.  As an international collection attorney, I often feel a sense of pride in knowing that our collection services contribute to keeping the global cash flow moving.

  • By Octávio Aronis, Attorney
    14 de Agosto de 2018
    Conciliation and Mediation in Brazil and Latin America

    As you know, trade wars and tariff negotiations are presently consuming the international business community. For good or bad reasons, the United States has caused countries, including Brazil, to levy and retaliate against its new imposition of tariffs on a variety of goods and materials.

  • Ben Cohen
    14 de Junho de 2018
    Repulsive Antisemite - Convicted by UK Judge for Jew-Hating YouTube Videos

    Amateur musician Alison Chabloz performing a song that insults survivors of the Holocaust. Photo: Screenshot.




  • Octávio Aronis
    6 de Agosto de 2018
    Collections Best Practices:

    Doing Business in Brazil


  • Octávio Aronis
    18 de Abril de 2018
    Creating Harmony Between a Forwarding Agency and a Collection Law Firm

    Productive collaboration between agencies and law firms is essential for a strong collection industry and client satisfaction, and is not something that should be taken for granted. There are steps both parties can take when considering how to best contribute to this relationship, which will help to ensure an effective and harmonious partnership.

  • Octávio Aronis
    15 de Janeiro de 2018
    These Best Credit Practices in Brazil Will Keep You from Falling Downhill

    I’m often asked by many overseas creditors about where to start when establishing a business relationship with a customer in Brazil. My answer is that it often depends on whether you are going to grant credit, and if so, how much.

  • 13 de Dezembro de 2017
    Country Risk Report: Ecuador

    Ecuador is located in western South America, bordering the Pacific Ocean at the Equator, between Colombia and Peru. It's land area is 276,841 sq. km., which is about the size of Colorado, and includes the Galapagos Islands.

  • Octávio Aronis
    15 de Dezembro de 2017
    The Impact of Exchange Rates in Long Term Foreign Settlements

    In my daily work, one of the challenges I must navigate is the negotiation of long-term payment settlements for clients outside of Brazil.

© Copyright 2019 Aronis Advogados -
Rua Afonso Braz, 579, 12º andar - conj. 125 - 04511-011 - Vila Nova Conceição - São Paulo - SP - Brasil
Acesse nosso perfil no Linkedin
Ftech Soluções em Internet