Staff Data Scientist, Credit Strategy

About the role

Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital (Up to $5M) 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. Mulligan Funding deploys a powerful combination of statistically grounded credit strategy and robust manual underwriting to deliver credit performance aligned with our risk appetite while providing an outstanding customer experience. The Staff Data Scientist, Credit Strategy is a key member of the Risk Management team, responsible for designing, deploying, and optimizing end-to-end credit strategies that balance growth, profitability, and credit risk. This role plays a critical part in maximizing credit conversion and customer lifetime value while ensuring portfolio performance remains within established loss tolerances. This position partners closely with Risk leadership, manual underwriting, Product, Engineering, and Data Science teams to build scalable, data-driven credit strategies that support sustainable growth and resilient portfolio construction. This role follows a hybrid work schedule with three days onsite and two days remote each week, with Mondays designated as a mandatory onsite day. 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.

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