Mulligan Funding, LLC

Vice President

• 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.

Vice President of Credit Risk, Analytics

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.
• Performs other duties as assigned.

Vice President of Credit Risk, Analytics

Senior Credit Analyst