Staff Data Scientist, Credit Strategy

🕒 May 14

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Mulligan Funding, LLC

WebsiteLinkedInAll Job Openings

51 - 200 employees

💸 Finance

💳 Fintech

🤝 B2B

Finance • Fintech • B2B

Mulligan Funding, LLC is a nationwide provider of business funding offering fast access to capital for businesses across all 50 states and D. C. They specialize in working capital loans and business term loans, providing funds as soon as the day after approval. Mulligan Funding focuses on delivering excellent customer service with a personal touch, ensuring business owners receive the guidance needed for their specific financial situations. The company prides itself on building long-term partnerships with businesses to help them grow and succeed, by offering flexible and transparent loan options up to $2,000,000, with terms ranging from 3 to 24 months.

📋 Description

• 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

🎯 Requirements

• 5+ years of relevant experience in commercial risk data science and credit strategy within a fintech or banking environment • At least 3–4 years of hands-on experience designing, calibrating, and managing credit strategies for Merchant Cash Advance (MCA) products; prior MCA credit strategy experience is required • Strong experience overseeing model deployment, execution, and monitoring within a production environment; ML Ops experience is highly preferred • Master’s degree in Data Science, Statistics, Economics, Finance, or a related quantitative discipline required

🏖️ 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.