Mulligan Funding, LLC

Data Scientist

• Analyze end-to-end funnel performance across acquisition, application, underwriting, and funding stages to identify conversion trends and structural inefficiencies
• Design and maintain analytical frameworks, metrics, and dashboards to monitor funnel health, conversion rates, and customer drop-off patterns
• Identify root causes of customer attrition and dropout at each funnel stage using quantitative analysis and cohort-based methodologies
• Partner with Operations, Underwriting, and Product teams to design and evaluate strategies that reduce customer friction and improve completion rates
• Support test-and-learn initiatives, including A/B testing and controlled experiments, to measure the impact of funnel optimization efforts
• Develop segmentation and behavioral analyses to identify populations with elevated dropout risk or conversion opportunity
• Translate analytical findings into clear, actionable recommendations for senior leadership and cross-functional partners
• Monitor post-implementation results to ensure sustained improvement and surface second-order impacts on risk, cost, and customer experience
• Contribute to documentation and standardization of funnel analytics best practices
• Performs other duties as assigned

Staff Data Scientist, Funnel Analytics – Optimization

• Design and deploy innovative approval, qualification, and segmentation strategies that maximize application approval rates while achieving credit loss targets
• Develop and maintain underwriting policies that define minimum acceptance criteria and policy declines for segments outside Mulligan’s risk appetite
• Create statistically grounded credit limit assignment frameworks that optimize lifetime customer value while managing downside risk
• Design pricing and interest rate strategies, including testing frameworks, to ensure adequate loss coverage, strong borrower selection, and high customer take-up rates
• Optimize data collection strategies by balancing the information value of data against customer friction and operational cost
• Partner closely with the manual underwriting team to build a hybrid risk framework that integrates analytical strategies with expert manual review, ensuring consistent execution and continuous feedback loops
• Collaborate with Product, Engineering, and Data Science teams to design and deploy scalable infrastructure that enables rapid iteration and refinement of credit strategies
• Establish robust portfolio monitoring and reporting processes to track approval rates, credit performance, and risk metrics against expectations
• Apply a thoughtful, forward-looking approach to portfolio construction to ensure assets are resilient across economic cycles and attractive to debt investors on a risk-adjusted basis
• Incorporate macroeconomic trends and forward-looking risk signals into credit strategy to ensure ongoing relevance in evolving market conditions
• Performs other duties as assigned

Staff Data Scientist, Credit Strategy

Analyst

• Analyze complex financial statements, tax returns, and other financial documents to evaluate the creditworthiness of commercial loan applicants.
• Independently review the financial health of businesses by analyzing key financial metrics, such as liquidity, profitability, and leverage.
• Provide guidance and support to junior credit analysts, fostering their professional development.
• Identify credit risks associated with commercial loan applicants.
• Prepare credit reports summarizing findings and underwriting recommendations for large commercial loan decisions.
• Collaborate with colleagues to communicate underwriting decisions to loan applicants and address inquiries or provide information.
• Present and defend credit proposals to the Credit Committee, offering well-supported recommendations for loan approvals, modifications, or declines.
• Make underwriting recommendations based on established criteria and policies.
• Assess the impact of the guarantor on the company’s ability to service debt.

Senior Credit Analyst

• Perform routine analysis of financial documents and bank statements to evaluate the creditworthiness of commercial loan applicants.
• Assess the financial health of businesses by analyzing key financial metrics, such as cash flows, liquidity, profitability, and leverage.
• Analyze personal and business credit and background reports to identify credit risks associated with commercial loan applicants.
• Assess the impact of the guarantor on the company’s ability to service debt.
• Prepare a brief statement based on established criteria and policies summarizing underwriting recommendations for commercial loan decisions.
• Make multiple credit decisions per day while building toward individual approval authority.
• Possess a well-rounded knowledge of pricing, structuring, and stipulations based on risk profile.
• Collaborate with colleagues to communicate underwriting decisions to internal stakeholders and provide information.
• Demonstrate a comprehensive understanding of market dynamics.

Credit Analyst II

• Perform financial analysis on commercial loan applicants, reviewing business financial statements to evaluate liquidity, profitability, leverage, and overall financial health.
• Analyze personal and business credit reports to identify risk indicators and assess guarantor strength.
• Prepare concise underwriting summaries and recommendations aligned with company credit policies.
• Make multiple credit decisions per day while building toward individual approval authority.
• Develop knowledge of pricing, structuring, and stipulations based on risk profile.
• Collaborate with senior analysts and internal stakeholders to communicate credit decisions clearly and efficiently.
• Continuously build expertise in Mulligan Funding’s products, underwriting framework, and risk philosophy.

Credit Analyst

Account Manager

• Consistently meet and exceed daily and monthly quotas by diligently working towards collection targets and contributing to the team's overall success.
• Develop genuine relationships with small business owners by understanding their unique situations and showing empathy and support throughout the collections process.
• Actively mitigate Mulligan Funding's monthly losses by employing effective collections strategies and offering creative repayment solutions for clients.
• Utilize exceptional sales and negotiation skills to arrange payment plans and settlements with delinquent merchants, focusing on achieving mutually beneficial outcomes.
• Pre-qualify merchants for workouts and modifications to existing fundings by thoroughly reviewing their financial situation and determining their eligibility for alternative repayment options.
• Conduct comprehensive risk evaluations of merchants by assessing their financial health, credit history, and other relevant factors to determine the likelihood of repayment.
• Provide continuous feedback to our Underwriting and Credit teams on potential trends in our delinquency population, contributing to the ongoing improvement of our risk assessment and management processes.

Staff Data Scientist, Funnel Analytics – Optimization

Staff Data Scientist, Credit Strategy

Senior Credit Analyst

Credit Analyst II

Credit Analyst

Account Representative