---
title: 'Data Scientist I - Management Trainee at Mulligan Funding'
canonical: 'https://feeny.ai/job/data-scientist-i-management-trainee-mulligan-funding-san-diego-0ptqdgber8ke'
type: 'job'
last_seen: '2026-09-09'
---

# Data Scientist I - Management Trainee at Mulligan Funding

- **Company:** Mulligan Funding
- **Location:** San Diego, CA
- **Compensation:** $83k–$90k
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-08-20
- **Last confirmed live:** 2026-09-09
- **Apply:** https://jobs.lever.co/mulliganfunding/53531dc7-9593-44ea-8b42-2995664968a3

## 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 IManagement 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).

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.

## About Mulligan Funding

## Company Overview
- **One-liner**: Mulligan Funding provides fast access to working capital loans and business term loans for small and medium-sized businesses across the United States.
- **Entity Type**: Private (Debt-financed; total funding of $135M, including $120M debt facility in 2024)
- **Headquarters**: San Diego, California, United States
- **Founded**: 2008
- **Founders**: Not publicly disclosed

## Core Business
- **Primary industry**: Financial Services – Alternative Lending / Working Capital
- **Target customers**: Small and medium-sized businesses (SMBs) in all 50 U.S. states and D.C. (B2B)
- **Mission / purpose**: Serve as a trusted, relationship-first source of working capital for the SMBs that fuel the economy. “Putting relationships before everything else.”

## Products & Services
- **Working Capital Loans**: The flagship product. Funds available as soon as the same business day after approval; repayment terms of 3–24 months; loan amounts up to $10M. Customized to each business’s situation.
- **Business Term Loans**: Alternative funding option for businesses needing larger, fixed-term capital.
- **Renewal Services**: Existing clients can access additional funding cycles.

## Market Standing
- **Valuation**: Not disclosed
- **Key Metric**: Total funding of $135M (debt and equity) – most recently a $120M debt facility in December 2024. Annual revenue estimated at $15.9M (LTM).
- **Notable Investors / Partners**: Debt financing from institutional lenders; prior venture rounds (2022: $10M, 2023: $5M) – specific investors not listed in provided sources.
- **Growth Signals**: 
  - Provided over $3 billion in cumulative funding to nearly 15,000 SMBs since 2008.
  - Investing in AI-driven underwriting tools to improve speed and consistency.
  - LinkedIn followers grew ~38% YoY (7,463 total), indicating growing brand awareness.
  - Headcount of ~90 employees (down 14.1% YoY, reflecting a potential restructuring or efficiency focus).

## Competitive Advantages
- **Speed and access**: Approval in as few as a few hours, funding as soon as the same business day.
- **Human touch**: Dedicated loan advisors review each application rather than a fully automated system, building long-term client relationships.
- **Customized terms**: Loan amounts up to $10M with flexible repayment periods (3–24 months), tailored to each business’s cash flow.
- **Track record**: 16+ years in business, trusted by thousands of SMBs across all 50 states.

## Strategic Focus
- **Technology modernization**: Building a “next version” of Mulligan Funding by combining credit expertise with modern AI to streamline underwriting and enhance customer experience while preserving human judgment.
- **Continued lending growth**: Focus on serving SMBs with working capital needs, leveraging the large 2024 debt facility to scale originations.
- **Talent investment**: Hiring data scientists for funnel analytics and optimization (roles in San Diego and San Francisco, up to $250k salary) to drive data-driven decision-making.

## Why Work Here
- **Culture**: Family-owned business with a “people first” culture that values relationships, integrity, and collaboration. Employees report above-average work wellbeing (score 74/100 on Indeed).
- **Work policy**: Hybrid – roles in San Diego and San Francisco with flexibility.
- **Compensation**: Competitive base salaries (e.g., Staff Data Scientist $180k–$250k; Recovery Analyst $73k–$101k) with recognition and rewards for talent and work ethic.
- **Engineering culture**: Opportunity to work on cutting-edge underwriting AI while maintaining a human-centric approach. Small, agile team where contributions are visible.
- **Career growth**: Emphasis on recognizing and rewarding talent; you won’t “get lost in the shuffle.”
- **Note**: AI tools are used to support parts of the hiring process (resume analysis, application review), but final decisions are made by humans.

## Sources
1. [Mulligan Funding Website](https://www.mulliganfunding.com/)
2. [Mulligan Funding Careers Page (Lever)](https://jobs.lever.co/mulliganfunding/)
3. [LinkedIn – Mulligan Funding, LLC](https://linkedin.com/company/mulligan-funding-llc)
4. [Indeed – Mulligan Funding, LLC Careers and Employment](https://www.indeed.com/cmp/Mulligan-Funding,-LLC)

## Other roles at Mulligan Funding

- [Data Scientist I - Full Stack Management Trainee](https://feeny.ai/job/data-scientist-i-full-stack-management-trainee-mulligan-funding-san-diego-dtpcjqyqjf70) — San Diego, CA
- [Partner Relationship Executive](https://feeny.ai/job/partner-relationship-executive-mulligan-funding-san-diego-gv8c5k536jvk) — San Diego, CA