Vice President of Credit Risk & Analytics

Vice President of Credit Risk & AnalyticsVice President of Credit Risk & Analytics3 weeks ago Be among the first 25 applicantsGet AI-powered advice on this job and more exclusive features.Mulligan Funding, LLC provided pay rangeThis range is provided by Mulligan Funding, LLC. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.Base pay range$200,000.00/yr - $250,000.00/yrThe 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 objectivesOversee the full lifecycle of credit and risk models, including development, validation, documentation, monitoring, and compliance, ensuring alignment with internal policies and regulatory expectationsLead portfolio analytics to detect early risk indicators, monitor key performance trends, and surface actionable insights that inform business decisions and optimize risk-adjusted returnsDirect 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 committeesAnalyze customer behavior and performance across the lifecycle to identify patterns that inform retention, cross-sell opportunities, and, over time, targeted marketing effortsCollaborate with Underwriting and Credit teams to shape and evolve decisioning frameworks, exposure limits, approval logic, and risk thresholds, supported by quantitative analysis and model outputsTranslate complex model findings and portfolio analytics into concise, executive-ready presentations for internal stakeholders, external auditors, and regulatory bodiesLead, mentor, and grow a high-performing team of data scientists, analysts, and risk professionals, fostering a collaborative, agile, and outcomes-focused team culturePartner with Product, Finance, Technology, and Marketing to integrate credit risk insights into business tools, pricing strategies, growth forecasts, and new product initiativesInfluence the development and enhancement of data infrastructure and tooling to support advanced analytics, real-time decisioning, and scalable model deploymentSupport and strengthen the organization’s risk-aware culture by promoting transparency, ownership, and alignment on credit performance and decisioning disciplineParticipate in high-impact initiatives including pricing optimization, capital planning, new product design, and vendor selection for analytics and decisioning platformsPrepare and deliver recurring reports, deep dives, and strategic recommendations to the Chief Credit Officer and executive leadership, enabling informed decision-making at the highest levelsPerform other duties as assignedYou 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 roleA master’s degree in a quantitative field such as Statistics, Economics, Finance, or Data ScienceDeep expertise in credit strategy, risk model development, and portfolio monitoring across the full credit lifecycleProven ability to lead complex forecasting and stress testing initiatives, with clear communication of outcomes to executive stakeholdersAdvanced proficiency in business analytics, statistical analysis, and tools such as Python, SQL, or equivalent platformsA track record of translating complex risk insights into actionable strategies and influencing cross-functional partnersExperience guiding high-performing teams, fostering collaboration, accountability, and innovationStrong understanding of regulatory requirements and data governance standards relevant to credit risk and model oversightExcellent organizational and time management skills, with the ability to manage competing priorities and meet high-impact deadlinesA leadership style grounded in adaptability, critical thinking, and the ability to guide others through ambiguity and changeWe offer:Medical, vision, and dental benefits to support you and your familyFlexible Spending Accounts (FSA) for eligible healthcare and dependent care expensesA 401(k) with matching contributions to help you plan for retirementPaid time off, including sick leave, vacation, and holidaysPaid parental leave for growing familiesA Lifestyle Spending Account (LSA) for athletic and wellness expensesAn employer-sponsored Life and AD&D policy, with options for additional coverageA Learning Stipend for professional development activitiesAn Employee Assistance Program (EAP) and travel assistance servicesComplimentary snacks and refreshments in the breakroomA referral program that rewards you for bringing in top talentCompany events to connect, celebrate, and grow togetherMulligan 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.A reasonable estimate of the salary range for this role is $200,000 to $250,000 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.Seniority levelSeniority levelNot ApplicableEmployment typeEmployment typeFull-timeJob functionJob functionFinance and SalesIndustriesTransportation, Logistics, Supply Chain and StorageReferrals increase your chances of interviewing at Mulligan Funding, LLC by 2xGet notified about new Vice President of Credit jobs in San Diego, CA.VP Technology Governance Issue Management and Risk ReportingDirector, Consumer Partnerships & StrategyWe’re unlocking community knowledge in a new way. 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Created: 2025-09-17