Senior Risk Analyst

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:

• 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.

Mulligan 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.