Data Scientist I Management Trainee – AI-driven Lending

Job Description

Data Scientist I – Management Trainee | Mulligan Funding, LLC

The Tone:
This is a full-time role at Mulligan Funding, LLC, located in San Diego, CA, with hybrid collaboration near business headquarters. Mulligan Funding is a leading provider of working capital to small and medium-sized businesses, known for its collaborative, innovative, and customer-focused approach since 2008. The company is transforming small business lending through fast, intelligent, AI-driven decisioning, backed by 18 years of proprietary credit data and deep risk expertise. This role is essential for expanding AI-first approaches across multiple business functions, enabling emerging data scientists to gain hands-on experience with advanced tools and complex technical architectures while solving real-world financial and risk challenges.

The TL;DR
• Role: Early Career
• Type: Full-time
• Location: Hybrid, San Diego, CA
• Pay: $82800–$90000 yearly
• Team: Alongside senior leads in Credit & Pricing Strategy and Portfolio Analytics
• Mission: Inform key strategic decisions and drive continuous growth by evaluating credit policy changes and lending performance through analytical rigor and SQL-based deep dives.
• Tech Stack: SQL, Python

What You’ll Actually Do
• Data Aggregation: Perform SQL queries and complex data aggregations to support credit strategies and portfolio monitoring.
• Policy Evaluation: Conduct deep-dive quantitative analyses to evaluate credit policy changes and lending performance.
• Cross-functional Collaboration: Collaborate with cross-functional teams including Risk and Operations to present analytical findings.
• Business Improvement: Present analytical opportunities for business improvement and influence stakeholders with data-backed strategies.
• Vendor Management: Work with data vendors in pushing data boundaries.

The Must-Haves
• Background: Bachelor’s degree in Mathematics, Statistics, or a related Quantitative field.
• Experience: Must be in the top 10% of graduating class, designed for ambitious graduates.
• Skills: Strong proficiency in SQL and Python for complex data aggregation and analysis, high capacity for analytical reasoning, and a solid quantitative background.