[{"additionalPlain":"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.\n","additional":"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.
","categories":{"commitment":"Full-time","department":"Credit","location":"San Diego, CA","team":"Underwriting","allLocations":["San Diego, CA"]},"createdAt":1780413549189,"descriptionPlain":"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.\n \nThe Credit Analyst II position is built for a credit professional who has developed strong technical fundamentals and is ready to take on greater ownership and impact.\n \nIn this role, you will independently evaluate commercial loan applications, apply sound underwriting judgment, and contribute meaningfully to portfolio performance. You will collaborate closely with Sales, Operations, and senior credit leaders while refining your ability to assess risk, structure deals, and communicate clear, well supported credit decisions.\n \nThis role is designed for someone who wants to deepen their expertise. You will apply disciplined credit analysis, strengthen your decision making authority, and continue developing advanced underwriting judgment in a fast paced lending environment that values accountability and collaboration.\n","description":"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.
\n
\nThe Commercial Underwriter II position is built for a credit professional who has developed strong technical fundamentals and is ready to take on greater ownership and impact.
\n
\nIn this role, you will independently evaluate commercial loan applications, apply sound underwriting judgment, and contribute meaningfully to portfolio performance. You will collaborate closely with Sales, Operations, and senior credit leaders while refining your ability to assess risk, structure deals, and communicate clear, well supported credit decisions.
\n
\nThis role is designed for someone who wants to deepen their expertise. You will apply disciplined credit analysis, strengthen your decision making authority, and continue developing advanced underwriting judgment in a fast paced lending environment that values accountability and collaboration.
","id":"6a18805e-98dd-4e8d-9190-14fdb5249663","lists":[{"text":"What You'll Do","content":"\nPerform routine analysis of financial documents and bank statements to evaluate the creditworthiness of commercial loan applicants.\nAssess the financial health of businesses by analyzing key financial metrics, such as cash flows, liquidity, profitability, and leverage.\nAnalyze personal and business credit and background reports to identify credit risks associated with commercial loan applicants.\nAssess the impact of the guarantor on the company’s ability to service debt.\nPrepare a brief statement based on established criteria and policies summarizing underwriting recommendations for commercial loan decisions.\nMake multiple credit decisions per day while building toward individual approval authority.\nPossess a well-rounded knowledge of pricing, structuring, and stipulations based on risk profile.\nCollaborate with colleagues to communicate underwriting decisions to internal stakeholders and provide information.\nDemonstrate a comprehensive understanding of market dynamics.\n"},{"text":"What You'll Bring","content":"\nA Bachelor’s degree in Finance, Business, Economics, Accounting, or a related field.\nFour to six years of experience in finance, banking, accounting, underwriting, or a similar analytical environment.\nExperience working within small business and/or commercial lending is highly desirable.\nStrong working knowledge of financial statement analysis and the ability to interpret complex financial data with confidence.\nUnderstanding of small business lending dynamics and common industry risk considerations.\nStrong analytical thinking and quantitative skills with attention to detail.\nAbility to make complex credit decisions in a deadline driven environment.\nClear written and verbal communication skills and confidence presenting underwriting rationale.\nA cover letter is highly encouraged, as it gives us greater insight into your experience and career aspirations.\n"},{"text":"Why You'll Love It Here","content":"\nYou will take meaningful ownership of underwriting decisions that directly impact portfolio performance.\nYou will deepen your technical expertise while strengthening your independent judgment.\nYou will work alongside experienced credit professionals in a collaborative, accountable environment.\nYou will continue building a clear path toward senior underwriting or leadership opportunities.\n"},{"text":"We Offer","content":"\nComprehensive medical, vision and dental benefits that give you peace of mind.\nHybrid work schedule allowing you to split your week between coming into the office and working remotely from home.\nFlexible Spending Accounts (FSA) that let you use pre-tax dollars to cover healthcare expenses.\nA fantastic 401K with matching contributions that helps you plan for retirement and build wealth over time.\nGenerous sick, vacation, and holiday benefits that give you the time and flexibility you need to enjoy life.\nPaid parental leave to support new and expecting parents, helping offset time away from work as you welcome and care for your growing family. \nA gym membership contribution that supports your well-being, and helps you stay energized and focused.\nAn internal referral program that rewards you for bringing talented people to the team.\nCompany events that foster a positive and inclusive culture, and create opportunities to bond and grow with your colleagues.\n"}],"salaryRange":{"currency":"USD","interval":"per-hour-wage","min":36.06,"max":49.95},"salaryDescription":"A reasonable estimate of the salary range for this role is $36.06 to $45.67 per hour. 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.
","salaryDescriptionPlain":"A reasonable estimate of the salary range for this role is $36.06 to $45.67 per hour. 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.\n","text":"Commercial Underwriter II","country":"US","workplaceType":"hybrid","opening":"","openingPlain":"","descriptionBody":"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.
\n
\nThe Commercial Underwriter II position is built for a credit professional who has developed strong technical fundamentals and is ready to take on greater ownership and impact.
\n
\nIn this role, you will independently evaluate commercial loan applications, apply sound underwriting judgment, and contribute meaningfully to portfolio performance. You will collaborate closely with Sales, Operations, and senior credit leaders while refining your ability to assess risk, structure deals, and communicate clear, well supported credit decisions.
\n
\nThis role is designed for someone who wants to deepen their expertise. You will apply disciplined credit analysis, strengthen your decision making authority, and continue developing advanced underwriting judgment in a fast paced lending environment that values accountability and collaboration.
","descriptionBodyPlain":"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.\n \nThe Credit Analyst II position is built for a credit professional who has developed strong technical fundamentals and is ready to take on greater ownership and impact.\n \nIn this role, you will independently evaluate commercial loan applications, apply sound underwriting judgment, and contribute meaningfully to portfolio performance. You will collaborate closely with Sales, Operations, and senior credit leaders while refining your ability to assess risk, structure deals, and communicate clear, well supported credit decisions.\n \nThis role is designed for someone who wants to deepen their expertise. You will apply disciplined credit analysis, strengthen your decision making authority, and continue developing advanced underwriting judgment in a fast paced lending environment that values accountability and collaboration.\n","hostedUrl":"https://jobs.lever.co/mulliganfunding/6a18805e-98dd-4e8d-9190-14fdb5249663","applyUrl":"https://jobs.lever.co/mulliganfunding/6a18805e-98dd-4e8d-9190-14fdb5249663/apply"},{"additionalPlain":"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.\n","additional":"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.
","categories":{"commitment":"Full-time","department":"Credit","location":"San Diego, CA","team":"Underwriting","allLocations":["San Diego, CA"]},"createdAt":1780413573073,"descriptionPlain":"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.\n \nThe Credit Analyst II position is built for a credit professional who has developed strong technical fundamentals and is ready to take on greater ownership and impact.\n \nIn this role, you will independently evaluate commercial loan applications, apply sound underwriting judgment, and contribute meaningfully to portfolio performance. You will collaborate closely with Sales, Operations, and senior credit leaders while refining your ability to assess risk, structure deals, and communicate clear, well supported credit decisions.\n \nThis role is designed for someone who wants to deepen their expertise. You will apply disciplined credit analysis, strengthen your decision making authority, and continue developing advanced underwriting judgment in a fast paced lending environment that values accountability and collaboration.\n","description":"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.
\n
\nThe Credit Analyst II position is built for a credit professional who has developed strong technical fundamentals and is ready to take on greater ownership and impact.
\n
\nIn this role, you will independently evaluate commercial loan applications, apply sound underwriting judgment, and contribute meaningfully to portfolio performance. You will collaborate closely with Sales, Operations, and senior credit leaders while refining your ability to assess risk, structure deals, and communicate clear, well supported credit decisions.
\n
\nThis role is designed for someone who wants to deepen their expertise. You will apply disciplined credit analysis, strengthen your decision making authority, and continue developing advanced underwriting judgment in a fast paced lending environment that values accountability and collaboration.
","id":"74ff2198-e255-417c-ace7-a318319d4456","lists":[{"text":"What You'll Do","content":"\nPerform routine analysis of financial documents and bank statements to evaluate the creditworthiness of commercial loan applicants.\nAssess the financial health of businesses by analyzing key financial metrics, such as cash flows, liquidity, profitability, and leverage.\nAnalyze personal and business credit and background reports to identify credit risks associated with commercial loan applicants.\nAssess the impact of the guarantor on the company’s ability to service debt.\nPrepare a brief statement based on established criteria and policies summarizing underwriting recommendations for commercial loan decisions.\nMake multiple credit decisions per day while building toward individual approval authority.\nPossess a well-rounded knowledge of pricing, structuring, and stipulations based on risk profile.\nCollaborate with colleagues to communicate underwriting decisions to internal stakeholders and provide information.\nDemonstrate a comprehensive understanding of market dynamics.\n"},{"text":"What You'll Bring","content":"\nA Bachelor’s degree in Finance, Business, Economics, Accounting, or a related field.\nFour to six years of experience in finance, banking, accounting, underwriting, or a similar analytical environment.\nExperience working within small business and/or commercial lending is highly desirable.\nStrong working knowledge of financial statement analysis and the ability to interpret complex financial data with confidence.\nUnderstanding of small business lending dynamics and common industry risk considerations.\nStrong analytical thinking and quantitative skills with attention to detail.\nAbility to make complex credit decisions in a deadline driven environment.\nClear written and verbal communication skills and confidence presenting underwriting rationale.\nA cover letter is highly encouraged, as it gives us greater insight into your experience and career aspirations.\n"},{"text":"Why You'll Love It Here","content":"\nYou will take meaningful ownership of underwriting decisions that directly impact portfolio performance.\nYou will deepen your technical expertise while strengthening your independent judgment.\nYou will work alongside experienced credit professionals in a collaborative, accountable environment.\nYou will continue building a clear path toward senior underwriting or leadership opportunities.\n"},{"text":"We Offer","content":"\nComprehensive medical, vision and dental benefits that give you peace of mind.\nHybrid work schedule allowing you to split your week between coming into the office and working remotely from home.\nFlexible Spending Accounts (FSA) that let you use pre-tax dollars to cover healthcare expenses.\nA fantastic 401K with matching contributions that helps you plan for retirement and build wealth over time.\nGenerous sick, vacation, and holiday benefits that give you the time and flexibility you need to enjoy life.\nPaid parental leave to support new and expecting parents, helping offset time away from work as you welcome and care for your growing family. \nA gym membership contribution that supports your well-being, and helps you stay energized and focused.\nAn internal referral program that rewards you for bringing talented people to the team.\nCompany events that foster a positive and inclusive culture, and create opportunities to bond and grow with your colleagues.\n"}],"salaryRange":{"currency":"USD","interval":"per-hour-wage","min":36.06,"max":49.95},"salaryDescription":"A reasonable estimate of the salary range for this role is $36.06 to $45.67 per hour. 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.
","salaryDescriptionPlain":"A reasonable estimate of the salary range for this role is $36.06 to $45.67 per hour. 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.\n","text":"Credit Analyst II","country":"US","workplaceType":"hybrid","opening":"","openingPlain":"","descriptionBody":"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.
\n
\nThe Credit Analyst II position is built for a credit professional who has developed strong technical fundamentals and is ready to take on greater ownership and impact.
\n
\nIn this role, you will independently evaluate commercial loan applications, apply sound underwriting judgment, and contribute meaningfully to portfolio performance. You will collaborate closely with Sales, Operations, and senior credit leaders while refining your ability to assess risk, structure deals, and communicate clear, well supported credit decisions.
\n
\nThis role is designed for someone who wants to deepen their expertise. You will apply disciplined credit analysis, strengthen your decision making authority, and continue developing advanced underwriting judgment in a fast paced lending environment that values accountability and collaboration.
","descriptionBodyPlain":"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.\n \nThe Credit Analyst II position is built for a credit professional who has developed strong technical fundamentals and is ready to take on greater ownership and impact.\n \nIn this role, you will independently evaluate commercial loan applications, apply sound underwriting judgment, and contribute meaningfully to portfolio performance. You will collaborate closely with Sales, Operations, and senior credit leaders while refining your ability to assess risk, structure deals, and communicate clear, well supported credit decisions.\n \nThis role is designed for someone who wants to deepen their expertise. You will apply disciplined credit analysis, strengthen your decision making authority, and continue developing advanced underwriting judgment in a fast paced lending environment that values accountability and collaboration.\n","hostedUrl":"https://jobs.lever.co/mulliganfunding/74ff2198-e255-417c-ace7-a318319d4456","applyUrl":"https://jobs.lever.co/mulliganfunding/74ff2198-e255-417c-ace7-a318319d4456/apply"},{"additionalPlain":"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.\n","additional":"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.
","categories":{"commitment":"Full-time","department":"Administration","location":"San Diego, CA","team":"Finance","allLocations":["San Diego, CA"]},"createdAt":1777331996940,"descriptionPlain":"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.\n \nAs Director, Treasury & Capital Markets, you will own and oversee Mulligan Funding’s capital strategy end-to-end. This role is responsible for sourcing, structuring, and managing diverse funding channels, including securitizations, warehouse facilities, and other institutional capital sources. You will play a critical role in ensuring the company’s liquidity, balance sheet strength, and ability to scale responsibly, overseeing and deploying hundreds of millions of dollars in capital while working closely with executive leadership and external partners.\n \nThis is an onsite role based in San Diego, operating on a 3 days in-office / 2 days remote hybrid schedule. Given the nature of the role and its close partnership with executive leadership and external capital partners, regular in-person collaboration is essential.\n","description":"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.
\n
\nAs Director, Treasury & Capital Markets, you will own and oversee Mulligan Funding’s capital strategy end-to-end. This role is responsible for sourcing, structuring, and managing diverse funding channels, including securitizations, warehouse facilities, and other institutional capital sources. You will play a critical role in ensuring the company’s liquidity, balance sheet strength, and ability to scale responsibly, overseeing and deploying hundreds of millions of dollars in capital while working closely with executive leadership and external partners.
\n
\nThis is an onsite role based in San Diego, operating on a 3 days in-office / 2 days remote hybrid schedule. Given the nature of the role and its close partnership with executive leadership and external capital partners, regular in-person collaboration is essential.
","id":"91988e63-e499-48fe-a50a-0b300e639573","lists":[{"text":"You will:","content":"\nOversee all treasury and capital markets activities, including liquidity management, funding strategy, and balance sheet optimization.\nSource, structure, and execute securitizations, warehouse lines, and alternative financing arrangements to support business growth.\nManage relationships with banks, institutional investors, trustees, rating agencies, and other capital partners.\nLead negotiations of financing agreements, covenants, pricing, and terms across multiple funding sources.\nMonitor compliance with funding agreements, covenants, and reporting requirements.\nDevelop and maintain cash flow forecasts, liquidity models, and capital planning analyses.\nPartner closely with the CFO and executive leadership to align capital strategy with business objectives and risk tolerance.\nAnalyze market conditions and proactively identify new capital opportunities to diversify and optimize funding.\nSupport due diligence processes related to financing transactions, audits, and investor reporting.\nCollaborate cross-functionally with Finance, Credit, Legal, and Operations to ensure efficient deployment and use of capital.\nOperate as an individual contributor with full ownership of treasury and capital markets strategy and execution.\nPerforms other duties as assigned.\n"},{"text":"You have:","content":"\n7+ years of experience in treasury, capital markets, structured finance, or a related field within financial services, fintech, or specialty lending.\nDemonstrated experience executing securitizations, warehouse facilities, or other complex debt financing transactions.\nStrong understanding of balance sheet management, liquidity planning, and funding risk.\nA bachelor’s degree in finance, accounting, economics, or a related field (MBA or CFA a plus).\nProven ability to independently manage large-scale capital flows and external counterparties.\nExceptional financial modeling, analytical, and quantitative skills.\nStrong negotiation, communication, and stakeholder management capabilities.\nHigh degree of ownership, judgment, and comfort operating in a fast-paced, high-impact environment.\nProficiency with financial systems, modeling tools, and Microsoft Office / G-Suite.\n"},{"text":"We offer:","content":"\nMedical, vision, and dental benefits to support you and your family.\nFlexible Spending Accounts (FSA) for eligible healthcare and dependent care expenses.\nA 401(k) with matching contributions to help you plan for retirement.\nPaid time off, including sick leave, vacation, and holidays.\nPaid parental leave for growing families.\nA Lifestyle Spending Account (LSA) for athletic and wellness expenses.\nAn employer-sponsored Life and AD&D policy, with options for additional coverage.\nA Learning Stipend for professional development activities.\nAn Employee Assistance Program (EAP) and travel assistance services.\nComplimentary snacks and refreshments in the breakroom.\nA referral program that rewards you for bringing in top talent.\nCompany events to connect, celebrate, and grow together.\n"}],"salaryRange":{"min":197300,"max":265400,"currency":"USD","interval":"per-year-salary"},"salaryDescription":"The base salary range for this Director-level role is $197,300 – $265,400 per year. Compensation is determined by a range of factors, including market data, relevant experience, transaction history, skills, education, and certifications. Additional incentive or bonus eligibility may be available depending on role scope and performance.
","salaryDescriptionPlain":"The base salary range for this Director-level role is $197,300 – $265,400 per year. Compensation is determined by a range of factors, including market data, relevant experience, transaction history, skills, education, and certifications. Additional incentive or bonus eligibility may be available depending on role scope and performance.\n","text":"Director, Treasury & Capital Markets","country":"US","workplaceType":"hybrid","opening":"","openingPlain":"","descriptionBody":"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.
\n
\nAs Director, Treasury & Capital Markets, you will own and oversee Mulligan Funding’s capital strategy end-to-end. This role is responsible for sourcing, structuring, and managing diverse funding channels, including securitizations, warehouse facilities, and other institutional capital sources. You will play a critical role in ensuring the company’s liquidity, balance sheet strength, and ability to scale responsibly, overseeing and deploying hundreds of millions of dollars in capital while working closely with executive leadership and external partners.
\n
\nThis is an onsite role based in San Diego, operating on a 3 days in-office / 2 days remote hybrid schedule. Given the nature of the role and its close partnership with executive leadership and external capital partners, regular in-person collaboration is essential.
","descriptionBodyPlain":"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.\n \nAs Director, Treasury & Capital Markets, you will own and oversee Mulligan Funding’s capital strategy end-to-end. This role is responsible for sourcing, structuring, and managing diverse funding channels, including securitizations, warehouse facilities, and other institutional capital sources. You will play a critical role in ensuring the company’s liquidity, balance sheet strength, and ability to scale responsibly, overseeing and deploying hundreds of millions of dollars in capital while working closely with executive leadership and external partners.\n \nThis is an onsite role based in San Diego, operating on a 3 days in-office / 2 days remote hybrid schedule. Given the nature of the role and its close partnership with executive leadership and external capital partners, regular in-person collaboration is essential.\n","hostedUrl":"https://jobs.lever.co/mulliganfunding/91988e63-e499-48fe-a50a-0b300e639573","applyUrl":"https://jobs.lever.co/mulliganfunding/91988e63-e499-48fe-a50a-0b300e639573/apply"},{"additionalPlain":"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.","additional":"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.
","categories":{"commitment":"Full-time","department":"Credit","location":"San Diego, CA","team":"Account Servicing & Collections","allLocations":["San Diego, CA"]},"createdAt":1776166734246,"descriptionPlain":"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. \n \nMulligan Funding is experiencing strong growth and seeks a self-motivated, high-performing Sr. Account Representative to join our Account Servicing and Collections Team. As an Account Representative, you will build and foster relationships with business owners who have borrowed from Mulligan Funding and require repayment assistance. This full-time position offers an aggressive commission plan.\n \n","description":"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.
\n
\nMulligan Funding is experiencing strong growth and seeks a self-motivated, high-performing Sr. Account Representative to join our Account Servicing and Collections Team. As an Account Representative, you will build and foster relationships with business owners who have borrowed from Mulligan Funding and require repayment assistance. This full-time position offers an aggressive commission plan.
\n
","id":"897902cf-c42b-4dd0-87b5-6738d653ba91","lists":[{"text":"You will:","content":"\nConsistently meet and exceed daily and monthly quotas by diligently working towards collection targets and contributing to the team's overall success.\nDevelop genuine relationships with small business owners by understanding their unique situations and showing empathy and support throughout the collections process.\nActively mitigate Mulligan Funding's monthly losses by employing effective collections strategies and offering creative repayment solutions for clients.\nUtilize exceptional sales and negotiation skills to arrange payment plans and settlements with delinquent merchants, focusing on achieving mutually beneficial outcomes.\nPre-qualify merchants for workouts and modifications to existing fundings by thoroughly reviewing their financial situation and determining their eligibility for alternative repayment options.\nConduct comprehensive risk evaluations of merchants by assessing their financial health, credit history, and other relevant factors to determine the likelihood of repayment.\nProvide continuous feedback to our Underwriting and Credit teams on potential trends in our delinquency population, contributing to the ongoing improvement of our risk assessment and management processes.\n"},{"text":"You have:","content":"\nA Bachelor's degree\nA minimum of 2 years' experience collecting commercial debt.\nComprehensive knowledge of FDCPA, state, and federal laws.\nAdvanced skip tracing techniques preferred.\nExceptional listening and negotiation skills.\nExcellent verbal and written communication skills.\nAn ability to multitask during conversations.\nProficiency in Excel, Word, and Salesforce.\nStrong analytical skills for reviewing bank statements and company P&L.\nProfessional demeanor and attitude.\n"},{"text":"We offer:","content":"\nComprehensive medical, vision and dental benefits that give you peace of mind.\nFlexible Spending Accounts (FSA) that let you use pre-tax dollars to cover healthcare expenses.\nA fantastic 401K with matching contributions that helps you plan for retirement and build wealth over time.\nGenerous sick, vacation, and holiday benefits that give you the time and flexibility you need to enjoy life.\nA gym membership contribution that supports your well-being, and helps you stay energized and focused.\nAn internal referral program that rewards you for bringing talented people to the team.\nCompany events that foster a positive and inclusive culture, and create opportunities to bond and grow with your colleagues.\n"}],"salaryRange":{"min":28.94,"currency":"USD","interval":"per-hour-wage","max":36.59},"salaryDescription":"A reasonable estimate of the hourly range for this role is $24.42 to $36.59. With this position, there is also additional earning opportunity that will be discussed upon receiving an offer of employment. 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.
","salaryDescriptionPlain":"A reasonable estimate of the hourly range for this role is $24.42 to $36.59. With this position, there is also additional earning opportunity that will be discussed upon receiving an offer of employment. 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.\n","text":"Sr. Account Representative","country":"US","workplaceType":"hybrid","opening":"","openingPlain":"","descriptionBody":"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.
\n
\nMulligan Funding is experiencing strong growth and seeks a self-motivated, high-performing Sr. Account Representative to join our Account Servicing and Collections Team. As an Account Representative, you will build and foster relationships with business owners who have borrowed from Mulligan Funding and require repayment assistance. This full-time position offers an aggressive commission plan.
\n
","descriptionBodyPlain":"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. \n \nMulligan Funding is experiencing strong growth and seeks a self-motivated, high-performing Sr. Account Representative to join our Account Servicing and Collections Team. As an Account Representative, you will build and foster relationships with business owners who have borrowed from Mulligan Funding and require repayment assistance. This full-time position offers an aggressive commission plan.\n \n","hostedUrl":"https://jobs.lever.co/mulliganfunding/897902cf-c42b-4dd0-87b5-6738d653ba91","applyUrl":"https://jobs.lever.co/mulliganfunding/897902cf-c42b-4dd0-87b5-6738d653ba91/apply"},{"additionalPlain":"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.\n","additional":"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.
","categories":{"department":"Risk Management & Analytics","location":"San Francisco, CA","team":"Risk Management","allLocations":["San Francisco, CA","San Diego, CA"]},"createdAt":1772129388904,"descriptionPlain":"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.\n \nAs our Staff Applied AI Scientist focused on Decision Systems, you will design the logic behind how AI makes decisions inside real production workflows. This is not a research role and it is not a pure engineering role. You will sit at the intersection of business strategy, risk, and applied AI to ensure our decision systems are intelligent, calibrated, and economically aligned.\n \nEngineers will deploy the systems. You will define the decision intelligence that powers them. If you are excited about turning business judgment into structured, production ready AI logic that directly impacts profitability, this role is for you.\n","description":"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.
\n
\nAs our Staff Applied AI Scientist focused on Decision Systems, you will design the logic behind how AI makes decisions inside real production workflows. This is not a research role and it is not a pure engineering role. You will sit at the intersection of business strategy, risk, and applied AI to ensure our decision systems are intelligent, calibrated, and economically aligned.
\n
\nEngineers will deploy the systems. You will define the decision intelligence that powers them. If you are excited about turning business judgment into structured, production ready AI logic that directly impacts profitability, this role is for you.
","id":"19213c47-e7b6-41db-b69b-37bfa5bb6728","lists":[{"text":"What You Will Work On","content":"\nDesigning and formalizing structured AI reasoning frameworks that translate credit policy, risk strategy, and operational heuristics into production ready decision logic.\nDefining multi layer decision hierarchies across underwriting, collections, fraud detection, pricing optimization, and sales routing workflows, including conflict resolution logic when signals disagree.\nEstablishing structured output standards for agent based systems so AI recommendations are interpretable, consistent, and actionable.\nDesigning confidence scoring methodologies for AI assisted decisions and calibrating routing thresholds across auto approve, escalation, human review, and decline paths.\nOptimizing trade offs across risk exposure, approval rates, speed to decision, unit economics, and operational capacity.\nAnalyzing override behavior and feedback loops to refine decision logic and improve system performance over time.\nBuilding evaluation datasets to test reasoning quality prior to deployment and defining clear production acceptance criteria.\nBenchmarking performance across decision domains and establishing monitoring standards to detect drift, degradation, bias, or inconsistency in AI outputs.\nPartnering with Engineering and MLOps to ensure monitoring, reporting, and feedback mechanisms are embedded in production systems.\nSupporting governance, audit, and compliance documentation to ensure decisions are explainable and defensible in a regulated environment.\nAssessing potential bias and unintended impact across workflows and partnering with Risk, Compliance, and Legal on responsible deployment.\nQuantifying business impact across loss rates, recovery performance, operational cost per file, funnel conversion, and cycle time, and aligning decision systems with portfolio economics and strategic objectives.\n"},{"text":"What This Role Is Not","content":"\nOwnership of API development, integration pipelines, or infrastructure.\nPrimary responsibility for MLOps tooling or production orchestration code.\nAn academic or purely research focused AI position.\nA general program management or governance only role disconnected from production impact.\n"},{"text":"What You Bring","content":"\nEight or more years of experience in applied data science, including at least three years working on AI enabled product systems. Experience in AI product systems is required.\nDemonstrated experience designing, calibrating, and validating production decision systems.\nExperience translating domain expertise into structured logic frameworks that can be deployed in operational environments.\nStrong foundation in statistics, probability, and decision theory.\nExperience evaluating and tuning model outputs, including large language model reasoning outputs.\nExperience working in regulated or risk sensitive environments preferred. Background in fintech, lending, financial services, or other high consequence decision environments strongly preferred.\nMaster’s degree in Statistics, Applied Mathematics, Data Science, Economics, Computer Science, Engineering, or related quantitative discipline required. PhD preferred.\n"},{"text":"Why Join The Team","content":"\nThis role offers the opportunity to shape how AI makes decisions across an entire lending platform.\nThe work directly influences portfolio performance, unit economics, and operational strategy.\nYou will operate in a company that is intentionally building AI into its core workflows, not experimenting at the margins.\nThe systems you design will be durable, measurable, explainable, and central to the company’s long term competitive advantage.\n"},{"text":"We Offer","content":"\nComprehensive medical, dental, and vision coverage with multiple plan options to support you and your family.\nA 401k retirement plan with company matching contributions to help you build long term financial security.\nGenerous paid time off and paid holidays to support balance and flexibility.\nCompany paid life insurance and disability coverage for additional protection and peace of mind.\nFlexible Spending Account and Health Savings Account options to maximize tax advantages.\nA Lifestyle Spending Account to support wellness and fitness related expenses.\nA professional development stipend to encourage continued learning and growth.\nAn employee referral program that rewards you for helping us build a strong team.\nCompany events and initiatives that foster collaboration, inclusion, and connection.\n"}],"salaryRange":{"min":180000,"max":250000,"currency":"USD","interval":"per-year-salary"},"salaryDescription":"A reasonable estimate of the salary range for this role is $180,000 to $250,00 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.
","salaryDescriptionPlain":"A reasonable estimate of the salary range for this role is $180,000 to $250,00 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.\n","text":"Staff Applied AI Scientist, Decision Systems","country":"US","workplaceType":"hybrid","opening":"","openingPlain":"","descriptionBody":"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.
\n
\nAs our Staff Applied AI Scientist focused on Decision Systems, you will design the logic behind how AI makes decisions inside real production workflows. This is not a research role and it is not a pure engineering role. You will sit at the intersection of business strategy, risk, and applied AI to ensure our decision systems are intelligent, calibrated, and economically aligned.
\n
\nEngineers will deploy the systems. You will define the decision intelligence that powers them. If you are excited about turning business judgment into structured, production ready AI logic that directly impacts profitability, this role is for you.
","descriptionBodyPlain":"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.\n \nAs our Staff Applied AI Scientist focused on Decision Systems, you will design the logic behind how AI makes decisions inside real production workflows. This is not a research role and it is not a pure engineering role. You will sit at the intersection of business strategy, risk, and applied AI to ensure our decision systems are intelligent, calibrated, and economically aligned.\n \nEngineers will deploy the systems. You will define the decision intelligence that powers them. If you are excited about turning business judgment into structured, production ready AI logic that directly impacts profitability, this role is for you.\n","hostedUrl":"https://jobs.lever.co/mulliganfunding/19213c47-e7b6-41db-b69b-37bfa5bb6728","applyUrl":"https://jobs.lever.co/mulliganfunding/19213c47-e7b6-41db-b69b-37bfa5bb6728/apply"},{"additionalPlain":"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.\n","additional":"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.
","categories":{"department":"Risk Management & Analytics","location":"San Francisco, CA","team":"Risk Management","allLocations":["San Francisco, CA","San Diego, CA"]},"createdAt":1767911099651,"descriptionPlain":"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.\n \nMulligan 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.\n \nThe 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.\n \nThis 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.\n \nThis role follows a hybrid work schedule with three days onsite and two days remote each week, with Mondays designated as a mandatory onsite day.\n","description":"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.
\n
\nMulligan 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.
\n
\nThe 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.
\n
\nThis 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.
\n
\nThis role follows a hybrid work schedule with three days onsite and two days remote each week, with Mondays designated as a mandatory onsite day.
","id":"9141b3f4-6f26-4c26-b7be-6007241f1f22","lists":[{"text":"You will:","content":"\nDesign and deploy innovative approval, qualification, and segmentation strategies that maximize application approval rates while achieving credit loss targets\nDevelop and maintain underwriting policies that define minimum acceptance criteria and policy declines for segments outside Mulligan’s risk appetite\nCreate statistically grounded credit limit assignment frameworks that optimize lifetime customer value while managing downside risk\nDesign pricing and interest rate strategies, including testing frameworks, to ensure adequate loss coverage, strong borrower selection, and high customer take-up rates\nOptimize data collection strategies by balancing the information value of data against customer friction and operational cost\nPartner 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\nCollaborate with Product, Engineering, and Data Science teams to design and deploy scalable infrastructure that enables rapid iteration and refinement of credit strategies\nEstablish robust portfolio monitoring and reporting processes to track approval rates, credit performance, and risk metrics against expectations\nApply 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\nIncorporate macroeconomic trends and forward-looking risk signals into credit strategy to ensure ongoing relevance in evolving market conditions\nPerforms other duties as assigned\n"},{"text":"You have:","content":"\n5+ years of relevant experience in commercial risk data science and credit strategy within a fintech or banking environment\nAt 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\nStrong experience overseeing model deployment, execution, and monitoring within a production environment; ML Ops experience is highly preferred\nMaster’s degree in Data Science, Statistics, Economics, Finance, or a related quantitative discipline required\n"},{"text":"We offer:","content":"\nMedical, vision, and dental benefits to support you and your family.\nFlexible Spending Accounts (FSA) for eligible healthcare and dependent care expenses.\nA 401(k) with matching contributions to help you plan for retirement.\nPaid time off, including sick leave, vacation, and holidays.\nPaid parental leave for growing families.\nA Lifestyle Spending Account (LSA) for athletic and wellness expenses.\nAn employer-sponsored Life and AD&D policy, with options for additional coverage.\nA Learning Stipend for professional development activities.\nAn Employee Assistance Program (EAP) and travel assistance services.\nComplimentary snacks and refreshments in the breakroom.\nA referral program that rewards you for bringing in top talent.\nCompany events to connect, celebrate, and grow together.\n"}],"salaryRange":{"min":180000,"max":250000,"currency":"USD","interval":"per-year-salary"},"salaryDescription":"A reasonable estimate of the total compensation range for this role is $180K – $250K per year. Total compensation may include base salary and other forms of compensation, as applicable. In determining compensation, Mulligan Funding considers a variety of factors, including but not limited to market data, relevant experience, skills, education, and certifications.
","salaryDescriptionPlain":"A reasonable estimate of the total compensation range for this role is $180K – $250K per year. Total compensation may include base salary and other forms of compensation, as applicable. In determining compensation, Mulligan Funding considers a variety of factors, including but not limited to market data, relevant experience, skills, education, and certifications.\n","text":"Staff Data Scientist, Credit Strategy","country":"US","workplaceType":"hybrid","opening":"","openingPlain":"","descriptionBody":"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.
\n
\nMulligan 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.
\n
\nThe 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.
\n
\nThis 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.
\n
\nThis role follows a hybrid work schedule with three days onsite and two days remote each week, with Mondays designated as a mandatory onsite day.
","descriptionBodyPlain":"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.\n \nMulligan 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.\n \nThe 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.\n \nThis 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.\n \nThis role follows a hybrid work schedule with three days onsite and two days remote each week, with Mondays designated as a mandatory onsite day.\n","hostedUrl":"https://jobs.lever.co/mulliganfunding/9141b3f4-6f26-4c26-b7be-6007241f1f22","applyUrl":"https://jobs.lever.co/mulliganfunding/9141b3f4-6f26-4c26-b7be-6007241f1f22/apply"},{"additionalPlain":"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.\n","additional":"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.
","categories":{"commitment":"Full-time","department":"Risk Management & Analytics","location":"San Francisco, CA","team":"Risk Management","allLocations":["San Francisco, CA","San Diego, CA"]},"createdAt":1767910844172,"descriptionPlain":"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.\n \nMulligan 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.\n \nThe Staff Data Scientist, Funnel Analytics & Optimization is a key member of the Risk & Analytics team, responsible for analyzing end-to-end customer funnel performance and designing analytical frameworks that drive meaningful improvements in conversion, efficiency, and customer outcomes for a small-business portfolio. \n \nThis role focuses on identifying friction points, drop-offs, and operational bottlenecks across the acquisition, underwriting, and application/funding funnel. The position partners closely with Risk leadership, Operations, Product, and Analytics teams to translate insights into actionable strategies that improve funnel conversion while maintaining strong risk discipline and customer experience.\n \nThis role follows a hybrid work schedule with three days onsite and two days remote each week, with Mondays designated as a mandatory onsite day.\n","description":"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.
\n
\nMulligan 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.
\n
\nThe Staff Data Scientist, Funnel Analytics & Optimization is a key member of the Risk & Analytics team, responsible for analyzing end-to-end customer funnel performance and designing analytical frameworks that drive meaningful improvements in conversion, efficiency, and customer outcomes for a small-business portfolio.
\n
\nThis role focuses on identifying friction points, drop-offs, and operational bottlenecks across the acquisition, underwriting, and application/funding funnel. The position partners closely with Risk leadership, Operations, Product, and Analytics teams to translate insights into actionable strategies that improve funnel conversion while maintaining strong risk discipline and customer experience.
\n
\nThis role follows a hybrid work schedule with three days onsite and two days remote each week, with Mondays designated as a mandatory onsite day.
","id":"389fc1a9-d00d-417f-9e88-e7dd2f8e9ef9","lists":[{"text":"You will:","content":"\nAnalyze end-to-end funnel performance across acquisition, application, underwriting, and funding stages to identify conversion trends and structural inefficiencies\nDesign and maintain analytical frameworks, metrics, and dashboards to monitor funnel health, conversion rates, and customer drop-off patterns\nIdentify root causes of customer attrition and dropout at each funnel stage using quantitative analysis and cohort-based methodologies\nPartner with Operations, Underwriting, and Product teams to design and evaluate strategies that reduce customer friction and improve completion rates\nSupport test-and-learn initiatives, including A/B testing and controlled experiments, to measure the impact of funnel optimization efforts\nDevelop segmentation and behavioral analyses to identify populations with elevated dropout risk or conversion opportunity\nTranslate analytical findings into clear, actionable recommendations for senior leadership and cross-functional partners\nMonitor post-implementation results to ensure sustained improvement and surface second-order impacts on risk, cost, and customer experience\nContribute to documentation and standardization of funnel analytics best practices\nPerforms other duties as assigned\n"},{"text":"You have:","content":"\n5+ years of relevant experience in analytics or data science within fintech, financial services, or a data-driven consumer or B2B environment\n3+ years of hands-on experience analyzing customer funnels, conversion metrics, or operational workflows\nExperience building ML models , deployment and monitoring. MLOps knowledge is also highly preferred.\nDemonstrated experience partnering with operations or frontline teams to translate analytics into execution\nExperience supporting experimentation, measurement, and performance monitoring in production environments\nMaster’s degree in Data Science, Statistics, Economics, Finance, or a related quantitative discipline required.\n"},{"text":"We offer:","content":"\nMedical, vision, and dental benefits to support you and your family.\nFlexible Spending Accounts (FSA) for eligible healthcare and dependent care expenses.\nA 401(k) with matching contributions to help you plan for retirement.\nPaid time off, including sick leave, vacation, and holidays.\nPaid parental leave for growing families.\nA Lifestyle Spending Account (LSA) for athletic and wellness expenses.\nAn employer-sponsored Life and AD&D policy, with options for additional coverage.\nA Learning Stipend for professional development activities.\nAn Employee Assistance Program (EAP) and travel assistance services.\nComplimentary snacks and refreshments in the breakroom.\nA referral program that rewards you for bringing in top talent.\nCompany events to connect, celebrate, and grow together.\n"}],"salaryRange":{"min":180000,"max":250000,"currency":"USD","interval":"per-year-salary"},"salaryDescription":"A reasonable estimate of the total compensation range for this role is $180K – $250K per year. Total compensation may include base salary and other forms of compensation, as applicable. In determining compensation, Mulligan Funding considers a variety of factors, including but not limited to market data, relevant experience, skills, education, and certifications.
","salaryDescriptionPlain":"A reasonable estimate of the total compensation range for this role is $180K – $250K per year. Total compensation may include base salary and other forms of compensation, as applicable. In determining compensation, Mulligan Funding considers a variety of factors, including but not limited to market data, relevant experience, skills, education, and certifications.\n","text":"Staff Data Scientist, Funnel Analytics & Optimization","country":"US","workplaceType":"hybrid","opening":"","openingPlain":"","descriptionBody":"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.
\n
\nMulligan 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.
\n
\nThe Staff Data Scientist, Funnel Analytics & Optimization is a key member of the Risk & Analytics team, responsible for analyzing end-to-end customer funnel performance and designing analytical frameworks that drive meaningful improvements in conversion, efficiency, and customer outcomes for a small-business portfolio.
\n
\nThis role focuses on identifying friction points, drop-offs, and operational bottlenecks across the acquisition, underwriting, and application/funding funnel. The position partners closely with Risk leadership, Operations, Product, and Analytics teams to translate insights into actionable strategies that improve funnel conversion while maintaining strong risk discipline and customer experience.
\n
\nThis role follows a hybrid work schedule with three days onsite and two days remote each week, with Mondays designated as a mandatory onsite day.
","descriptionBodyPlain":"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.\n \nMulligan 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.\n \nThe Staff Data Scientist, Funnel Analytics & Optimization is a key member of the Risk & Analytics team, responsible for analyzing end-to-end customer funnel performance and designing analytical frameworks that drive meaningful improvements in conversion, efficiency, and customer outcomes for a small-business portfolio. \n \nThis role focuses on identifying friction points, drop-offs, and operational bottlenecks across the acquisition, underwriting, and application/funding funnel. The position partners closely with Risk leadership, Operations, Product, and Analytics teams to translate insights into actionable strategies that improve funnel conversion while maintaining strong risk discipline and customer experience.\n \nThis role follows a hybrid work schedule with three days onsite and two days remote each week, with Mondays designated as a mandatory onsite day.\n","hostedUrl":"https://jobs.lever.co/mulliganfunding/389fc1a9-d00d-417f-9e88-e7dd2f8e9ef9","applyUrl":"https://jobs.lever.co/mulliganfunding/389fc1a9-d00d-417f-9e88-e7dd2f8e9ef9/apply"},{"additionalPlain":"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.\n","additional":"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.
","categories":{"department":"Risk Management & Analytics","location":"San Diego, CA","team":"Risk Management","allLocations":["San Diego, CA","San Francisco, CA"]},"createdAt":1770936333989,"descriptionPlain":"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.\n \nWe have embarked on the journey to transform our small business lending platform and product through the thoughtful application of automation, data, and AI. This role will be part of the core AI group responsible for shaping and executing a multi-year vision to modernize core lending workflows — including pre-underwriting, underwriting, and sales — with the goal of driving operating efficiency, improving unit economics, and fundamentally upgrading the customer experience for small businesses. \n \nEstablishment of an AI-first approach, using automation and modern tooling to improve efficiency and scale is a key enabler in our mission to provide affordable access to credit to small businesses.\n \nWe are seeking a Technical Project Manager (TPM) to serve as the execution lead within our AI Transformation Pod. This role will partner closely with the AI Program Lead and engineering team to convert AI-driven product vision into structured, production-ready delivery plans.\n \nThe TPM will own end-to-end execution of AI-enabled initiatives across pre-underwriting, underwriting, sales, and all other workflows. The role requires strong technical fluency, systems thinking, and the ability to operate effectively in a regulated lending environment. This is not a traditional project coordination role. The TPM will play a critical role in shaping technical design decisions, sequencing complex dependencies, and ensuring AI capabilities are deployed safely, efficiently, and at scale.\n \n","description":"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.
\n
\nWe have embarked on the journey to transform our small business lending platform and product through the thoughtful application of automation, data, and AI. This role will be part of the core AI group responsible for shaping and executing a multi-year vision to modernize core lending workflows — including pre-underwriting, underwriting, and sales — with the goal of driving operating efficiency, improving unit economics, and fundamentally upgrading the customer experience for small businesses.
\n
\nEstablishment of an AI-first approach, using automation and modern tooling to improve efficiency and scale is a key enabler in our mission to provide affordable access to credit to small businesses.
\n
\nWe are seeking a Technical Project Manager (TPM) to serve as the execution lead within our AI Transformation Pod. This role will partner closely with the AI Program Lead and engineering team to convert AI-driven product vision into structured, production-ready delivery plans.
\n
\nThe TPM will own end-to-end execution of AI-enabled initiatives across pre-underwriting, underwriting, sales, and all other workflows. The role requires strong technical fluency, systems thinking, and the ability to operate effectively in a regulated lending environment. This is not a traditional project coordination role. The TPM will play a critical role in shaping technical design decisions, sequencing complex dependencies, and ensuring AI capabilities are deployed safely, efficiently, and at scale.
\n
","id":"0c1fa093-c676-4029-9c71-264aefab0fd7","lists":[{"text":"Program Structuring & Execution Planning","content":"\nTranslate AI-driven business opportunities into detailed technical execution plans\nBreak initiatives into phased milestones aligned with product, engineering, and risk requirements.\nDefine clear scope, dependencies, timelines, and success metrics.\nIdentify required vendor integrations and cross-functional inputs.\n"},{"text":"Technical Coordination","content":"\nPartner with engineers to define system architecture, orchestration patterns, and integration approaches.\nCoordinate dependencies with Data Engineering, Data Science, and Salesforce teams.\nEnsure solutions integrate cleanly with Salesforce workflows and case management, AzureML-deployed models and external vendors \n"},{"text":"Delivery Governance","content":"\nEstablish release plans and rollout strategies.\nEnsure appropriate logging, auditability, and version control are in place.\nMaintain risk and dependency tracking across initiatives.\nDefine fallback paths and exception-handling mechanisms before deployment.\n"},{"text":"AI & MLOps Coordination","content":"\nCoordinate model deployment cycles with AzureML and applied AI engineers.\nEnsure evaluation, monitoring, and performance tracking frameworks are defined.\nAlign AI outputs with business-defined confidence thresholds and routing logic.\n"},{"text":"Cross-Functional Communication","content":"\nServe as the primary execution liaison between AI Program Lead, engineering, operations, data teams and all other stakeholders involved in AI initiatives\nCommunicate progress, risks, and trade-offs clearly to leadership.\n"},{"text":"You have:","content":"\n5–10 years of experience in Technical Program Management, Engineering Program Management, or related roles.\nBachelor’s degree in Computer Science, Engineering, or related technical field\nMaster’s degree in a quantitative or technical discipline is strongly preferred.\nDemonstrated experience leading delivery of AI, machine learning, or data-driven systems in production environments\nStrong understanding of API integrations, Workflow orchestration systems, Salesforce or similar CRM/workflow platforms and Cloud environments (Azure preferred)\nExperience coordinating model deployments or ML-enabled systems is strongly preferred\nExperience in fintech, lending, or other regulated industries is highly desirable\nProven ability to manage ambiguity and structure complex, cross-functional initiatives into executable plans.\nStrong analytical skills, deep experience/knowledge of small business risk management and underwriting principles and attention to detail. \nKnowledge of merchant transaction data and ability to create deep insights & credit strategy based on the same \nExperience in implementing risk logic within a decision engine\nAbility to combine data insights with strong business judgment/ intuition in calibrating risk models & underwriting strategy\nStrong communication and interpersonal skills to influence stakeholders\n"},{"text":"We offer:","content":"\nMedical, vision, and dental benefits to support you and your family.\nFlexible Spending Accounts (FSA) for eligible healthcare and dependent care expenses.\nA 401(k) with matching contributions to help you plan for retirement.\nPaid time off, including sick leave, vacation, and holidays.\nPaid parental leave for growing families.\nA Lifestyle Spending Account (LSA) for athletic and wellness expenses.\nAn employer-sponsored Life and AD&D policy, with options for additional coverage.\nA Learning Stipend for professional development activities.\nAn Employee Assistance Program (EAP) and travel assistance services.\nComplimentary snacks and refreshments in the breakroom.\nA referral program that rewards you for bringing in top talent.\nCompany events to connect, celebrate, and grow together.\n"}],"salaryRange":{"min":171800,"max":212400,"currency":"USD","interval":"per-year-salary"},"salaryDescription":"A reasonable estimate of the salary range for this role is $171,800 to $212,400 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.
","salaryDescriptionPlain":"A reasonable estimate of the salary range for this role is $171,800 to $212,400 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.\n","text":"Technical Program Manager - AI Transformation","country":"US","workplaceType":"hybrid","opening":"","openingPlain":"","descriptionBody":"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.
\n
\nWe have embarked on the journey to transform our small business lending platform and product through the thoughtful application of automation, data, and AI. This role will be part of the core AI group responsible for shaping and executing a multi-year vision to modernize core lending workflows — including pre-underwriting, underwriting, and sales — with the goal of driving operating efficiency, improving unit economics, and fundamentally upgrading the customer experience for small businesses.
\n
\nEstablishment of an AI-first approach, using automation and modern tooling to improve efficiency and scale is a key enabler in our mission to provide affordable access to credit to small businesses.
\n
\nWe are seeking a Technical Project Manager (TPM) to serve as the execution lead within our AI Transformation Pod. This role will partner closely with the AI Program Lead and engineering team to convert AI-driven product vision into structured, production-ready delivery plans.
\n
\nThe TPM will own end-to-end execution of AI-enabled initiatives across pre-underwriting, underwriting, sales, and all other workflows. The role requires strong technical fluency, systems thinking, and the ability to operate effectively in a regulated lending environment. This is not a traditional project coordination role. The TPM will play a critical role in shaping technical design decisions, sequencing complex dependencies, and ensuring AI capabilities are deployed safely, efficiently, and at scale.
\n
","descriptionBodyPlain":"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.\n \nWe have embarked on the journey to transform our small business lending platform and product through the thoughtful application of automation, data, and AI. This role will be part of the core AI group responsible for shaping and executing a multi-year vision to modernize core lending workflows — including pre-underwriting, underwriting, and sales — with the goal of driving operating efficiency, improving unit economics, and fundamentally upgrading the customer experience for small businesses. \n \nEstablishment of an AI-first approach, using automation and modern tooling to improve efficiency and scale is a key enabler in our mission to provide affordable access to credit to small businesses.\n \nWe are seeking a Technical Project Manager (TPM) to serve as the execution lead within our AI Transformation Pod. This role will partner closely with the AI Program Lead and engineering team to convert AI-driven product vision into structured, production-ready delivery plans.\n \nThe TPM will own end-to-end execution of AI-enabled initiatives across pre-underwriting, underwriting, sales, and all other workflows. The role requires strong technical fluency, systems thinking, and the ability to operate effectively in a regulated lending environment. This is not a traditional project coordination role. The TPM will play a critical role in shaping technical design decisions, sequencing complex dependencies, and ensuring AI capabilities are deployed safely, efficiently, and at scale.\n \n","hostedUrl":"https://jobs.lever.co/mulliganfunding/0c1fa093-c676-4029-9c71-264aefab0fd7","applyUrl":"https://jobs.lever.co/mulliganfunding/0c1fa093-c676-4029-9c71-264aefab0fd7/apply"}]