Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital ($5K - $2M) to the small and medium-sized businesses that fuel our country. Since 2008, we have prided ourselves on our collaborative, innovative, and customer-focused approach. Enjoying a period of unprecedented growth, driven by the combination of cutting-edge technology, human touch, and unwavering integrity, we are looking to add to our people first culture, with highly motivated and results-oriented professionals, to push the limits of what’s possible while creating value for all of our partners.

As a Senior Risk Analyst, you will play a pivotal role in assessing, analyzing, and mitigating risks to protect our business operations, financial health, and reputation. Your expertise will contribute to developing advanced risk assessment models, interpreting market trends, and providing actionable insights. In this role, you will be responsible for building default scorecards, conducting stress testing, forecasting loan losses, and analyzing portfolio and market trends. This position requires a forward-thinking professional who is skilled in leveraging machine learning (ML) and artificial intelligence (AI) tools to improve risk analysis and reporting.

You will:

Lead the creation and maintenance of detailed internal risk reports for the credit team, using ML and AI to enhance accuracy and predictive capabilities
Design, implement, and refine advanced statistical models and ML algorithms to conduct comprehensive risk assessments
Analyze market trends, internal data, and external factors through AI tools, identifying potential risks and recommending strategic mitigations
Build and maintain default scorecards to inform credit decisions and portfolio risk management
Conduct stress testing and loan loss forecasting to assess portfolio resilience and financial impacts
Provide strategic insights and support decision-making by interpreting complex data from ML and AI models
Ensure all reports and analyses meet industry regulations and internal standards, proactively addressing gaps with AI-driven solutions
Present complex, AI-driven risk findings to internal stakeholders, including executive leadership, in a clear and actionable format
Collaborate with operations, technology, and data science teams to integrate AI and ML tools into risk frameworks
Stay updated on industry trends, regulatory changes, and emerging ML/AI technologies to keep risk reporting innovative and compliant
Mentor junior analysts in using ML and AI tools, fostering a risk-aware culture
Identify opportunities to streamline risk processes using AI, improving efficiency and effectiveness
Perform additional duties as directed by leadership to support risk management and organizational initiatives

You have:

6+ years of relevant experience in risk analysis, financial modeling, or related fields
A Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Science, Computer Science, or a related field
Expertise in Business Analytics, Data Modeling, and Financial Risk Management
Proficiency in Python, Statistical Analysis, and Risk Identification Models
Experience with Financial Risk Management Software and Statistical Reporting
Strong collaboration, communication, and problem-solving skills
Adaptability, creativity, and critical thinking
Excellent time management, organizational skills, and emotional intelligence

We offer:

Comprehensive medical, vision, and dental benefits that give you peace of mind
Flexible Spending Accounts (FSA) that let you use pre-tax dollars to cover healthcare expenses
A fantastic 401K with matching contributions to help you plan for retirement
Generous sick, vacation, and holiday benefits to give you the flexibility to enjoy life
A paid parental leave program to support you and your family during important life moments
A gym membership contribution to support your well-being
An internal referral program that rewards you for bringing talented people to the team
Company events fostering a positive and inclusive culture and creating opportunities to bond with colleagues

A reasonable estimate of the salary range for this role is $158,100 to $196,300 per year. 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

Mulligan Funding, LLC

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Senior Risk Analyst