Vice President of Credit Risk & Analytics at Mulliganfunding

Based in San Diego, Mulligan Funding is a premier provider of working capital, offering up to $5 million to the small and medium-sized businesses that serve as the backbone of our economy. Since our founding in 2008, we have built a reputation for being collaborative, innovative, and deeply committed to our customers. We are currently experiencing a period of significant growth, fueled by our blend of advanced technology, a human-centric approach, and a dedication to integrity. We are looking for a motivated and results-oriented Vice President of Credit Risk & Analytics to join our team and help us continue to push the boundaries of what is possible while delivering value to our partners.

Key outcomes

• Design and refine our credit strategy across originations, renewals, and servicing to ensure our risk posture aligns with our growth goals.
• Manage the full lifecycle of credit and risk models, including development, validation, and ongoing monitoring to meet internal and regulatory standards.
• Lead portfolio analytics to identify early risk indicators and provide actionable insights that optimize our risk-adjusted returns.
• Direct our forecasting and stress testing efforts, presenting findings to senior leadership and risk committees.
• Analyze customer performance throughout the lifecycle to uncover patterns that support retention and cross-selling.
• Collaborate with our Credit and Underwriting teams to evolve decisioning frameworks and approval logic.
• Translate complex analytical findings into clear, executive-level presentations for stakeholders and auditors.
• Mentor and grow a high-performing team of data scientists and analysts while fostering an agile, outcomes-focused culture.
• Partner with Finance, Product, and Technology departments to integrate risk insights into our pricing and growth strategies.
• Advocate for improvements to our data infrastructure to support real-time decisioning and scalable model deployment.

Requirements

• At least 10 years of experience in portfolio analytics or credit risk within the financial services sector, with a minimum of 5 years in a leadership role.
• A master’s degree in a quantitative discipline such as Data Science, Statistics, Economics, or Finance.
• Extensive expertise in credit strategy, portfolio monitoring, and the development of risk models.
• Demonstrated success in leading stress testing and forecasting initiatives for executive audiences.
• Advanced proficiency in SQL, Python, and other statistical analysis tools.
• A proven ability to turn complex data into effective business strategies and influence cross-functional teams.
• Strong knowledge of data governance and regulatory requirements related to model oversight.
• Excellent organizational skills with the ability to manage multiple high-impact priorities.
• A leadership approach defined by critical thinking, adaptability, and the ability to navigate ambiguity.

Compensation

We provide a comprehensive benefits package designed to support your health, well-being, and long-term financial security. Our offerings include:

• Medical, dental, and vision insurance for you and your family.
• A 401(k) plan with company matching.
• Flexible Spending Accounts for healthcare and dependent care.
• Paid time off, including vacation, sick leave, and holidays.
• Paid maternity and paternity leave.
• A learning budget to support your professional development.
• An employee assistance program and travel assistance.
• Hybrid work arrangements.
• Additional perks including life insurance, a lifestyle spending account, and company events.

How to apply

If you are a strategic leader with a passion for data-driven risk management, we invite you to apply for this position. Please submit your application materials to be considered for this opportunity to join our growing team.