Data Scientist I - Management Trainee

Mulligan Funding is a San Diego based provider of funding to the Small and Medium Sized Business market. We are building a deeply researched and first-of-it’s-kind, Agentic AI complete funnel automation strategy. Mulligan has decades of deep credit underwriting and analytics expertise, combined with rich data from almost a million applications and billions of dollars funded via a wide loan size of $10k to $10 million. We are a mission-driven company, focused on solving the SMB market’s access to the fast and affordable capital they need to thrive by re-inventing how credit risk is measured, priced, and negotiated. We combine a generational-technology with unwavering integrity and a human touch.

At Mulligan, we are transforming small business lending by replacing legacy processes with fast, intelligent, AI-driven decisioning. Backed by 18 years of proprietary credit data and deep risk expertise, our production-grade AI agents are already running in active credit and underwriting workflows. As we expand this AI-first approach across Sales, Customer Lifecycle, Finance, and Capital Markets, we offer an uncommonly rich environment for emerging data scientists. 

By stepping directly into the center of these efforts, you won't just observe modern machine learning—you will gain hands-on experience with advanced, industry-leading tools and complex technical architectures while contributing directly to our mission of scaling AI across the organization.

Designed for ambitious graduates eager to solve real-world financial and risk challenges, the Data Scientist I Management Trainee role places you alongside senior leads in Credit & Pricing Strategy and Portfolio Analytics. In this position, your analytical rigor, SQL-based deep dives, and credit policy impact evaluations will directly inform key strategic decisions and drive our continuous growth.

• Perform SQL queries and complex data aggregations to support credit strategies and portfolio monitoring.
• Conduct deep-dive quantitative analyses to evaluate credit policy changes and lending performance.
• Collaborate with cross-functional teams including Risk and Operations to present analytical findings. 
  Present analytical opportunities for business improvement , influence stakeholders with data backed strategies.
• Work with data vendors in pushing data boundaries.

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.