Vice President of Credit Risk & Analytics

Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital (Up to $5M) to the small and medium‑sized businesses that fuel our country. Since 2008, we have prided ourselves on our collaborative, innovative, and customer‑focused approach. Enjoying a period of unprecedented growth, driven by the combination of cutting‑edge technology, human touch, and unwavering integrity, we are looking to add to our people‑first culture, with highly motivated and results‑oriented professionals, to push the limits of what’s possible while creating value for all of our partners. 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, this position also serves as a thought partner on customer segmentation and performance insights, with the potential to inform direct marketing and customer engagement strategies over time. The role demands sharp analytical acumen, strong business judgment, and cross‑functional leadership to ensure the company maintains a healthy, scalable portfolio while continuously refining credit policy and strategy. You 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. 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. You have: 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. 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 full credit lifecycle. Proven ability to lead complex forecasting and stress testing initiatives, with clear communication of outcomes to executive stakeholders. Advanced proficiency in business analytics, statistical analysis, and tools such as Python, SQL, or equivalent platforms. A track record of translating complex risk insights into actionable strategies and influencing cross‑functional partners. Experience guiding high‑performing teams, fostering collaboration, accountability, and innovation. Strong understanding of regulatory requirements and data governance standards relevant to credit risk and model oversight. Excellent organizational and time management skills, with the ability to manage competing priorities and meet high‑impact deadlines. A leadership style grounded in adaptability, critical thinking, and the ability to guide others through ambiguity and change. We offer: Medical, vision, and dental benefits to support you and your family. Flexible Spending Accounts (FSA) for eligible healthcare and dependent care expenses. A 401(k) with matching contributions to help you plan for retirement. Paid time off, including sick leave, vacation, and holidays. Paid parental leave for growing families. A Lifestyle Spending Account (LSA) for athletic and wellness expenses. An employer‑sponsored Life and AD&D policy, with options for additional coverage. A Learning Stipend for professional development activities. An Employee Assistance Program (EAP) and travel assistance services. Complimentary snacks and refreshments in the breakroom. A referral program that rewards you for bringing in top talent. Company events to connect, celebrate, and grow together. $200,000 - $300,000 a year A reasonable estimate of the salary range for this role is $200,000 to $300,000 per year plus any annual incentives. In order to provide a competitive compensation package, Mulligan Funding takes into account a variety of factors including but not limited to market compensation data, relevant experience, skills, education, and certifications. Mulligan Funding is an Equal Opportunity Employer (EOE) and takes great pride in building a diverse work environment. Qualified applicants are considered for employment without regard to age, race, religion, gender, national origin, sexual orientation, disability or veteran status. #J-18808-Ljbffr