Director of Data Science
Mission LaneFull Time
Expert & Leadership (9+ years)
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.
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.
Provides working capital loans to businesses
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.