Vice President of Credit Risk & Analytics at Mulligan Funding

San Diego, California, United States

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, FintechIndustries

Requirements

10 or more years of experience in credit risk, portfolio analytics, or a related field

Responsibilities

Drive the design, implementation, and refinement of the company’s credit strategy across originations, renewals, and servicing portfolios, aligning risk posture with growth objectives
Oversee the full lifecycle of credit and risk models, including development, validation, documentation, monitoring, and compliance, ensuring alignment with internal policies and regulatory expectations
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
Direct forecasting and stress testing efforts, developing forward-looking models for delinquency, losses, and exposure under various economic scenarios. 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, fostering a collaborative, agile, and outcomes-focused team culture
Partner with Product, Finance, Technology, and Marketing to integrate credit risk insights into business tools, pricing strategies, growth forecasts, and new product initiatives
Influence the development and enhancement of data infrastructure and tooling to support advanced analytics, real-time decisioning, and scalable model deployment
Support and strengthen the organization’s risk-aware culture by promoting transparency, ownership, and alignment on credit performance and decisioning discipline
Participate in high-impact initiatives including pricing optimization, capital planning, new product design, and vendor selection for analytics and decisioning platforms
Prepare and deliver recurring reports, deep dives, and strategic recommendations to the Chief Credit Officer and executive leadership, enabling informed decision-making at the highest levels
Perform other duties as assigned

Skills

Key technologies and capabilities for this role

Credit RiskData ScienceRisk AnalyticsCustomer AnalyticsPortfolio AnalyticsCredit ModelingForecastingRisk AssessmentStatistical ModelingModel ValidationRegulatory ComplianceCustomer SegmentationLeadership

Questions & Answers

Common questions about this position

What is the salary or compensation for the Vice President of Credit Risk & Analytics role?

This information is not specified in the job description.

Is this position remote or does it require working in the office?

This information is not specified in the job description.

What key skills are required for this role?

The role requires sharp analytical acumen, strong business judgment, cross-functional leadership, expertise in credit risk modeling, forecasting, stress testing, and portfolio analytics.

What is the company culture like at Mulligan Funding?

Mulligan Funding prides itself on a collaborative, innovative, customer-focused, and people-first culture, emphasizing highly motivated and results-oriented professionals.

What does the team structure look like for this position?

The role oversees a team of data scientists, risk analysts, and business analysts, involving leading, mentoring, and growing this high-performing team.

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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