Hybrid Vice President of Credit Risk, Analytics

Posted 4 days ago

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About the role

  • Vice President of Credit Risk overseeing team analytics and models for credit strategy at Mulligan Funding. Driving growth and maintaining a healthy portfolio with customer insights.

Responsibilities

  • 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.

Requirements

  • 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

Benefits

  • 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.

Job title

Vice President of Credit Risk, Analytics

Job type

Experience level

Lead

Salary

$208,000 - $282,000 per year

Degree requirement

Postgraduate Degree

Tech skills

Location requirements

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