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.

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.