Mulvey recently retired after 16 years at Wells Fargo, where he most recently served as Head of Credit Risk for Small Business Lending and previously as Division Credit Risk Manager for Business Direct. In these roles, he oversaw credit policy, risk modeling, and portfolio performance across Wells Fargo’s commercial and small business lending divisions. His leadership shaped risk strategies that balanced growth with long-term portfolio stability.

Before his tenure at Wells Fargo, Mulvey was Senior Vice President of Risk Management at HSBC Card Services, where he managed credit risk strategies for consumer lending products. He began his career at First National Bank of Omaha as a Risk Manager, where he specialized in developing statistical models for loss mitigation and revenue enhancement.

With nearly three decades of experience in risk management, Mulvey brings deep expertise in credit risk, financial analysis, marketing analytics, and portfolio strategy. His career reflects a proven ability to lead teams, build robust risk frameworks, and adapt to evolving market dynamics.

Academically, Mulvey holds a Master of Science in Economics from the University of Nebraska at Omaha and a Bachelor of Arts in Economics from San Diego State University.

“John’s extensive experience in risk management across both large banks and lending institutions makes him an invaluable addition to LendAPI’s advisory team,” said Timothy Li, Co-Founder & CEO of LendAPI. “As we continue to scale and support clients in the ever-changing credit landscape, John’s guidance will help us refine our risk strategies, strengthen our decision engine, and deliver even greater value to our partners.”

Mulvey will focus on advising LendAPI’s leadership on risk governance, credit portfolio management, and predictive analytics, ensuring the company’s technology and client offerings remain aligned with best-in-class risk practices.