Mulligan Funding

Vice President of Credit Risk & Analytics

San Diego, California, United States

Not SpecifiedCompensation
Expert & Leadership (9+ years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Services, LendingIndustries

Requirements

Candidates should possess 10 or more years of experience in credit risk, portfolio analytics, or a related function within financial services, including at least 5 years in a people leadership role, and a master’s degree in a quantitative field such as Statistics, Economics, Finance, or Data Science. Strong expertise in credit strategy, risk model development, and portfolio monitoring across the full credit lifecycle is required, along with proficiency in business analytics, statistical analysis, and tools such as Python, SQL, or equivalent platforms.

Responsibilities

The Vice President of Credit Risk & Analytics will drive the design, implementation, and refinement of the company’s credit strategy across originations, renewals, and servicing portfolios, aligning risk posture with growth objectives. They will oversee the full lifecycle of credit and risk models, including development, validation, documentation, monitoring, and compliance, ensuring alignment with internal policies and regulatory expectations. This role will lead portfolio analytics to detect early risk indicators, monitor key performance trends, and surface actionable insights that inform business decisions and optimize risk-adjusted returns, as well as direct forecasting and stress testing efforts, developing forward-looking models for delinquency, losses, and exposure under various economic scenarios. The position will also present findings and recommendations to senior leadership and risk committees, analyze customer behavior and performance across the lifecycle to identify patterns that inform retention, cross-sell opportunities, and, over time, targeted marketing efforts, collaborate with Underwriting and Credit teams to shape and evolve decisioning frameworks, exposure limits, approval logic, and risk thresholds, supported by quantitative analysis and model outputs, translate complex model findings and portfolio analytics into concise, executive-ready presentations for internal stakeholders, external auditors, and regulatory bodies, lead, mentor, and grow a high-performing team of data scientists, analysts, and risk professionals, and partner with Product, Finance, Technology, and Marketing to integrate credit risk insights into business tools, pricing strategies, growth forecasts, and new product initiatives.

Skills

Credit Risk
Data Analytics
Portfolio Management
Modeling
Forecasting
Risk Assessment
Customer Segmentation
Data Science
Risk Analysis
Business Analysis
Credit Policy
Credit Strategy
Model Development
Model Validation
Compliance
Performance Monitoring
Stress Testing
Customer Behavior Analysis
Decisioning Frameworks

Mulligan Funding

Provides working capital loans to businesses

About Mulligan Funding

Mulligan Funding provides working capital loans specifically designed for small and medium-sized businesses in the United States. Their loans help business owners manage cash flow, expand operations, or cover unexpected expenses. The loan process is straightforward, allowing for quick approvals and flexible repayment options, which is a significant advantage over traditional banks that often have lengthy procedures. Mulligan Funding assesses the creditworthiness of applicants using both technology and human expertise, enabling them to offer competitive rates tailored to the unique needs of each business. The company's goal is to build long-term relationships with clients by providing reliable financial assistance that supports their growth and success.

San Diego, CaliforniaHeadquarters
2008Year Founded
$15MTotal Funding
SERIES_ACompany Stage
Fintech, Financial ServicesIndustries
51-200Employees

Benefits

Health Insurance
Dental Insurance
Vision Insurance
Health Savings Account/Flexible Spending Account
401(k) Retirement Plan
401(k) Company Match
Paid Vacation
Paid Sick Leave
Parental Leave
Gym Membership
Employee Referral Bonus
Company Social Events

Risks

Increased competition from fintech companies could erode their market share.
Rising interest rates may reduce demand for their loan products.
Economic downturns could increase default rates, impacting profitability.

Differentiation

Mulligan Funding offers a personalized service with direct access to financing experts.
They provide quick approval and funding, often within 1-2 business days.
Their focus is on small to medium-sized businesses with unique financial needs.

Upsides

Partnerships with fintech companies expand their reach and accessibility through digital platforms.
Increased demand for alternative lending as traditional banks tighten lending criteria.
Growing trend of small businesses seeking quick and flexible financing options.

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