Data Scientist I - Management Trainee

Mulligan Funding; San Diego (CA); Hybrid; USD 83,000 - 90,000; Full time

Job summary

Mulligan Funding in San Diego, CA is seeking a Data Scientist I Management Trainee to join our growing team. You will perform analytical deep-dives and help shape credit and pricing strategies using SQL and Python.

You will work closely with Risk, Operations, and Portfolio Analytics, gaining hands-on experience with our AI-driven decisioning and data platforms while contributing to growth.

Qualifications

• Bachelor's degree in Mathematics, Statistics, or a related quantitative field (top 10% of graduating class).
• Strong proficiency in SQL and Python for complex data aggregation and analysis.
• High analytical reasoning with a solid quantitative background.

Responsibilities

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

Skills

Analytical thinking

SQL

Python

Education

Bachelor's degree in Mathematics, Statistics, or related Quantitative field

Tools

SQL

Python

Job description

Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital (Up to $10M) 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.

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.

You will:

• 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.

Qualifications & Requirements

• Education: Bachelor’s degree in Mathematics, Statistics, or a related Quantitative field (must be in top 10% of graduating class).
• Technical Skills: Strong proficiency in SQL and Python for complex data aggregation and analysis.
• Aptitude: High capacity for analytical reasoning and a solid quantitative background.
• Location: San Diego, CA (On-site / Hybrid collaboration near business headquarters).

$82,800 - $90,000 a year

A reasonable estimate of the base salary range for this role is $82,800 to $90,000 per year. In determining final compensation within the base range, Mulligan Funding considers a variety of factors, including market data, relevant experience, skills, and past performance.

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.