Mulligan Funding, LLC
Vice President of Credit Risk & Analytics
Mulligan Funding, LLC, San Diego, California, United States, 92189
Vice President of Credit Risk & Analytics
4 weeks ago Be among the first 25 applicants
Base Pay Range $200,000.00 / yr - $250,000.00 / yr
Mulligan Funding is headquartered in San Diego and serves as a leading provider of working capital (up to $5M) to small and medium‑size businesses. Since 2008, the company has prided itself on a collaborative, innovative, customer‑focused approach.
The Vice President of Credit Risk & Customer Analytics is responsible for leading the strategic direction of Mulligan Funding’s credit risk function, with a strong emphasis on data‑driven portfolio oversight and customer analytics. This role oversees a team of data scientists, risk analysts, and business analysts and plays a key role in shaping credit strategy through modeling, forecasting, and risk assessment.
Reporting to the Chief Credit Officer, the position serves as a thought partner on customer segmentation and performance insights, and may inform direct marketing and customer engagement strategies over time. This role requires sharp analytical acumen, strong business judgment, and cross‑functional leadership to ensure a healthy, scalable portfolio while refining credit policy and strategy.
Key Responsibilities
Drive the design, implementation, and refinement of the company’s credit strategy across originations, renewals, and servicing portfolios.
Oversee the full lifecycle of credit and risk models, including development, validation, documentation, monitoring, and compliance.
Lead portfolio analytics to detect early risk indicators and surface actionable insights.
Direct forecasting and stress testing efforts, presenting findings to senior leadership and risk committees.
Analyze customer behavior across the lifecycle to identify patterns that inform retention, cross‑sell, and targeted marketing.
Collaborate with Underwriting and Credit teams to shape decisioning frameworks and risk thresholds.
Translate complex model findings into executive‑ready presentations for stakeholders and regulators.
Lead, mentor, and grow a high‑performing team of data scientists and risk professionals.
Partner with Product, Finance, Technology, and Marketing to integrate risk insights into business tools and new products.
Influence the development of data infrastructure and tooling to support analytics and model deployment.
Support the organization’s risk‑aware culture by promoting transparency and accountability.
Participate in initiatives such as pricing optimization, capital planning, new product design, and vendor selection.
Prepare and deliver reports and strategic recommendations to the Chief Credit Officer and executive leadership.
Perform other duties as assigned.
Qualifications
10 or more years of experience in credit risk, portfolio analytics, or a related financial services function, including at least 5 years in a people‑leading role.
A master’s degree in a quantitative field such as Statistics, Economics, Finance, or Data Science.
Deep expertise in credit strategy, risk model development, and portfolio monitoring across the credit lifecycle.
Proven ability to lead complex forecasting and stress testing initiatives with clear communication.
Advanced proficiency in business analytics and statistical tools such as Python, SQL, or equivalent.
A track record of translating risk insights into actionable strategies and influencing cross‑functional partners.
Experience guiding high‑performing teams, fostering collaboration and innovation.
Strong understanding of regulatory requirements and data governance relevant to credit risk.
Excellent organizational and time‑management skills.
A leadership style grounded in adaptability, critical thinking, and guiding teams through ambiguity.
Benefits
Medical, vision, and dental benefits.
Flexible Spending Accounts for healthcare and dependent care.
401(k) with matching contributions.
Paid time off: sick leave, vacation, holidays.
Paid parental leave.
Lifestyle Spending Account for wellness.
Life and AD&D policy with additional coverage options.
Learning stipend for professional development.
Employee Assistance Program and travel assistance services.
Complimentary snacks and refreshments.
Referral program.
Company events.
Equal Opportunity Employer. Qualified applicants are considered without regard to age, race, religion, gender, national origin, sexual orientation, disability or veteran status.
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Base Pay Range $200,000.00 / yr - $250,000.00 / yr
Mulligan Funding is headquartered in San Diego and serves as a leading provider of working capital (up to $5M) to small and medium‑size businesses. Since 2008, the company has prided itself on a collaborative, innovative, customer‑focused approach.
The Vice President of Credit Risk & Customer Analytics is responsible for leading the strategic direction of Mulligan Funding’s credit risk function, with a strong emphasis on data‑driven portfolio oversight and customer analytics. This role oversees a team of data scientists, risk analysts, and business analysts and plays a key role in shaping credit strategy through modeling, forecasting, and risk assessment.
Reporting to the Chief Credit Officer, the position serves as a thought partner on customer segmentation and performance insights, and may inform direct marketing and customer engagement strategies over time. This role requires sharp analytical acumen, strong business judgment, and cross‑functional leadership to ensure a healthy, scalable portfolio while refining credit policy and strategy.
Key Responsibilities
Drive the design, implementation, and refinement of the company’s credit strategy across originations, renewals, and servicing portfolios.
Oversee the full lifecycle of credit and risk models, including development, validation, documentation, monitoring, and compliance.
Lead portfolio analytics to detect early risk indicators and surface actionable insights.
Direct forecasting and stress testing efforts, presenting findings to senior leadership and risk committees.
Analyze customer behavior across the lifecycle to identify patterns that inform retention, cross‑sell, and targeted marketing.
Collaborate with Underwriting and Credit teams to shape decisioning frameworks and risk thresholds.
Translate complex model findings into executive‑ready presentations for stakeholders and regulators.
Lead, mentor, and grow a high‑performing team of data scientists and risk professionals.
Partner with Product, Finance, Technology, and Marketing to integrate risk insights into business tools and new products.
Influence the development of data infrastructure and tooling to support analytics and model deployment.
Support the organization’s risk‑aware culture by promoting transparency and accountability.
Participate in initiatives such as pricing optimization, capital planning, new product design, and vendor selection.
Prepare and deliver reports and strategic recommendations to the Chief Credit Officer and executive leadership.
Perform other duties as assigned.
Qualifications
10 or more years of experience in credit risk, portfolio analytics, or a related financial services function, including at least 5 years in a people‑leading role.
A master’s degree in a quantitative field such as Statistics, Economics, Finance, or Data Science.
Deep expertise in credit strategy, risk model development, and portfolio monitoring across the credit lifecycle.
Proven ability to lead complex forecasting and stress testing initiatives with clear communication.
Advanced proficiency in business analytics and statistical tools such as Python, SQL, or equivalent.
A track record of translating risk insights into actionable strategies and influencing cross‑functional partners.
Experience guiding high‑performing teams, fostering collaboration and innovation.
Strong understanding of regulatory requirements and data governance relevant to credit risk.
Excellent organizational and time‑management skills.
A leadership style grounded in adaptability, critical thinking, and guiding teams through ambiguity.
Benefits
Medical, vision, and dental benefits.
Flexible Spending Accounts for healthcare and dependent care.
401(k) with matching contributions.
Paid time off: sick leave, vacation, holidays.
Paid parental leave.
Lifestyle Spending Account for wellness.
Life and AD&D policy with additional coverage options.
Learning stipend for professional development.
Employee Assistance Program and travel assistance services.
Complimentary snacks and refreshments.
Referral program.
Company events.
Equal Opportunity Employer. Qualified applicants are considered without regard to age, race, religion, gender, national origin, sexual orientation, disability or veteran status.
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