You may, or, may not, have problems....
The mulch may be too acidic. Figs hate acid soils. I would pull the mulch away from the base of the trunk and then top-dress the top layer of soil with Granulated Limestone...at least a few handfuls, spread over the root zone. The mulch may look nice but it may not be doing your tree any good if dye chemicals, and acid, are washing into the soil, and root zone. It wouldn't do any harm if you also sprinkle some Espoma Iron-Tone around the base of your tree. Leaves start looking that way just before they are shed, but this happens, usually, towards the end of the growing season.
If more and more leaves start getting these spots, turning yellow, and subsequently dropping off, I's lose the mulch entirely. I'd also pull off all figs, and nurse that tree back to health before the season ends. I don't know where you live, nor, your climate zone, but if the tree continues to get worse, you may want to dig out the tree when dormant, throw it in a temporary container, and over-Winter that tree in a protected area like an unheated garage, and then, hope for the best next Spring. (Over-Wintering tips can be found by searching this forum).
Hopefully, your tree will sprout some healthier, newer leaves, and will continue to grow normally, throughout this season.
Good luck, and welcome to the forum.
Frank