Vice President of Credit Risk & Analytics

Job Summary

The Vice President of Credit Risk Analytics will lead Mulligan Funding’s credit risk strategy and analytics function from our San Diego headquarters. This senior role shapes risk models, drives data‑driven decisions, and supports growth of working‑capital financing for SMBs.

Key Responsibilities

• Design, implement, and continuously improve credit risk scoring models and portfolio monitoring tools.
• Lead a team of analysts, data scientists, and risk officers, providing mentorship and performance feedback.
• Collaborate with underwriting, product, and technology teams to embed risk insights into the end‑to‑end financing process.
• Develop and present risk dashboards and executive reports to senior leadership and the board.
• Oversee stress testing, scenario analysis, and regulatory compliance related to credit risk.
• Identify emerging risk trends and recommend strategic actions to mitigate exposure.
• Partner with the technology group to leverage advanced analytics, machine learning, and automation.

Required Qualifications

• 10+ years of experience in credit risk analysis, preferably within financial services or fintech.
• Proven track record in leading risk analytics teams and delivering actionable insights.
• Advanced proficiency in statistical tools (Python, R, SAS) and data visualization platforms (Tableau, Power BI).
• Strong understanding of SMB lending, working‑capital products, and regulatory frameworks (e.g., OCC, CFPB).
• Excellent communication skills with the ability to translate complex data into clear business recommendations.
• Bachelor’s degree in Finance, Economics, Data Science, or related field; MBA or advanced degree preferred.

Compensation & Benefits

Base salary range: $200,000 – $300,000 per year, plus performance‑based incentives, comprehensive health benefits, 401(k) match, and generous paid time off.

Location

San Diego, San Diego County, United States – onsite role at Mulligan Funding’s corporate office.

Frequently Asked Questions

What experience is needed for the Vice President of Credit Risk Analytics?

At least 10 years in credit risk analysis, leadership of analytics teams, and familiarity with SMB lending and advanced statistical tools.

Is this position remote or onsite?

The role is onsite at Mulligan Funding’s headquarters in San Diego, San Diego County.

What is the salary range for this senior role?

The base salary ranges from $200,000 to $300,000, plus performance incentives and benefits.