Credit Karma
Senior Credit AI Scientist - Consumer Risk Fraud
Credit Karma, San Diego, California, United States, 92189
Overview
Intuit Credit Karma is a mission-driven company focused on championing financial progress for our more than 140 million members globally. We offer free credit scores and tools for identity monitoring, applying for credit cards, shopping for insurance and loans, and savings/checking accounts. Banking services are provided by MVB Bank, Inc., Member FDIC. Intuit’s Consumer Group, including TurboTax and Credit Karma, empowers millions to take control of their finances. As we expand into Consumer Lending, Credit Karma is looking for an innovative, experienced, and hands-on Senior AI Scientist to join our Consumer Risk AI Science team. You’ll develop cutting-edge credit risk AI/ML models for new lending products, collaborating with a team of AI scientists and machine learning engineers to deliver impact for hundreds of thousands of customers.
What you’ll do
Contribute to the credit risk AI science initiatives for the new and evolving Money product offerings in the lending domain, owning the model lifecycle, sharing success and key results at the program level, and driving data strategy across involved teams.
Design, build, deploy, evaluate, defend, and monitor machine learning models to predict credit risk for various short-term lending products (e.g., tax refund advances, BNPL, installment loans, single payment loans, early wage access).
Collaborate with credit policy, product, and fraud risk teams to align models with business goals and product offerings to drive actionable lending decisions.
Build efficient and reusable data pipelines for feature generation, model development, scoring, and reporting using Python, SQL, and both commercially available and proprietary ML/AI infrastructures.
Deploy models in production in collaboration with other AI scientists and ML engineers.
Ensure model fairness, interpretability, and compliance with FCRA, ECOA, and other relevant regulatory frameworks.
Contribute to the evolution of data and ML infrastructure within the Intuit ecosystem to improve efficiency and effectiveness of AI science solutions.
Research and implement practical and creative ML and statistical approaches suitable for a fast-paced, growing environment.
What’s great about the role
Solve hard, meaningful problems that give customers access to their hard-earned money alongside a diverse team.
Experience professional growth and contribute to growth across the team.
Work cross-functionally with executives, engineering, policy & rules, product, analytics, operations, and other AI science teams to ensure efficient and effective use of data science with tangible impact.
Minimum Basic Requirements
Advanced Degree (Ph.D. / MS) in Computer Science, Data Science, AI, Mathematics, Statistics, Physics or related quantitative discipline
3-7 years of work experience in AI Science / Machine Learning and related areas
Authoritative knowledge of Python and SQL
Relevant work experience in fintech credit risk with deep understanding of payment systems, money movement products, banking, and lending
Experience leveraging credit bureau, tax and cash flow data in credit risk model development
Experience developing, deploying, monitoring, and maintaining a variety of ML techniques, including deep learning, tree-based models, reinforcement learning, clustering, time series, causal analysis, and NLP
Deep understanding of credit risk modeling concepts, including PD calibration, reject inference, adverse action logic, and risk segmentation
Ability to quickly develop a deep statistical understanding of large, complex datasets
Expertise in designing and building efficient, reusable data pipelines and frameworks for ML models
Strong business problem solving, communication, and collaboration skills
Ambitious, results-oriented, hardworking, team player, innovator and creative thinker
Preferred Qualifications
Proficiency in deep learning ML frameworks such as TensorFlow, PyTorch, etc.
Experience with public cloud platforms (especially GCP or AWS) and workflow orchestration tools like Apache Airflow
Strong background in MLOps tooling and infrastructure, particularly Vertex AI or AWS SageMaker, including pipelines, automated retraining, monitoring, and version control
Experience with experimentation design and analysis, including A/B testing and statistical analysis
Compensation and Benefits Intuit provides a competitive compensation package with a strong pay-for-performance approach. The expected base pay range for this position in San Diego, CA is $160,500 - 217,000. The role is eligible for a cash bonus, equity rewards, and benefits in accordance with applicable plans and programs. Pay offers are based on factors such as job-related knowledge, skills, experience, and work location. Intuit conducts regular pay comparisons to drive fair pay across categories of ethnicity and gender.
Equal Employment Opportunity Credit Karma is proud to be an Equal Employment Opportunity Employer. We welcome all candidates without regard to race, color, religion, age, marital status, sex (including pregnancy, childbirth, or related medical condition), sexual orientation, gender identity or expression, national origin, veteran or military status, disability, genetic information, or other protected characteristic. We prohibit discrimination and comply with applicable fair chance laws.
Credit Karma is committed to a diverse and inclusive work environment. We offer generous benefits and perks to support an inclusive environment that recognizes contributions from all and fosters diversity by supporting Employee Resource Groups. Your voice will be heard and your unique background will be celebrated as part of the Credit Karma team.
Privacy Policies Credit Karma is committed to protecting personal data. Please review our privacy policies:
GDPR Privacy Policy
U.S. Job Applicant Privacy Notice
#J-18808-Ljbffr
What you’ll do
Contribute to the credit risk AI science initiatives for the new and evolving Money product offerings in the lending domain, owning the model lifecycle, sharing success and key results at the program level, and driving data strategy across involved teams.
Design, build, deploy, evaluate, defend, and monitor machine learning models to predict credit risk for various short-term lending products (e.g., tax refund advances, BNPL, installment loans, single payment loans, early wage access).
Collaborate with credit policy, product, and fraud risk teams to align models with business goals and product offerings to drive actionable lending decisions.
Build efficient and reusable data pipelines for feature generation, model development, scoring, and reporting using Python, SQL, and both commercially available and proprietary ML/AI infrastructures.
Deploy models in production in collaboration with other AI scientists and ML engineers.
Ensure model fairness, interpretability, and compliance with FCRA, ECOA, and other relevant regulatory frameworks.
Contribute to the evolution of data and ML infrastructure within the Intuit ecosystem to improve efficiency and effectiveness of AI science solutions.
Research and implement practical and creative ML and statistical approaches suitable for a fast-paced, growing environment.
What’s great about the role
Solve hard, meaningful problems that give customers access to their hard-earned money alongside a diverse team.
Experience professional growth and contribute to growth across the team.
Work cross-functionally with executives, engineering, policy & rules, product, analytics, operations, and other AI science teams to ensure efficient and effective use of data science with tangible impact.
Minimum Basic Requirements
Advanced Degree (Ph.D. / MS) in Computer Science, Data Science, AI, Mathematics, Statistics, Physics or related quantitative discipline
3-7 years of work experience in AI Science / Machine Learning and related areas
Authoritative knowledge of Python and SQL
Relevant work experience in fintech credit risk with deep understanding of payment systems, money movement products, banking, and lending
Experience leveraging credit bureau, tax and cash flow data in credit risk model development
Experience developing, deploying, monitoring, and maintaining a variety of ML techniques, including deep learning, tree-based models, reinforcement learning, clustering, time series, causal analysis, and NLP
Deep understanding of credit risk modeling concepts, including PD calibration, reject inference, adverse action logic, and risk segmentation
Ability to quickly develop a deep statistical understanding of large, complex datasets
Expertise in designing and building efficient, reusable data pipelines and frameworks for ML models
Strong business problem solving, communication, and collaboration skills
Ambitious, results-oriented, hardworking, team player, innovator and creative thinker
Preferred Qualifications
Proficiency in deep learning ML frameworks such as TensorFlow, PyTorch, etc.
Experience with public cloud platforms (especially GCP or AWS) and workflow orchestration tools like Apache Airflow
Strong background in MLOps tooling and infrastructure, particularly Vertex AI or AWS SageMaker, including pipelines, automated retraining, monitoring, and version control
Experience with experimentation design and analysis, including A/B testing and statistical analysis
Compensation and Benefits Intuit provides a competitive compensation package with a strong pay-for-performance approach. The expected base pay range for this position in San Diego, CA is $160,500 - 217,000. The role is eligible for a cash bonus, equity rewards, and benefits in accordance with applicable plans and programs. Pay offers are based on factors such as job-related knowledge, skills, experience, and work location. Intuit conducts regular pay comparisons to drive fair pay across categories of ethnicity and gender.
Equal Employment Opportunity Credit Karma is proud to be an Equal Employment Opportunity Employer. We welcome all candidates without regard to race, color, religion, age, marital status, sex (including pregnancy, childbirth, or related medical condition), sexual orientation, gender identity or expression, national origin, veteran or military status, disability, genetic information, or other protected characteristic. We prohibit discrimination and comply with applicable fair chance laws.
Credit Karma is committed to a diverse and inclusive work environment. We offer generous benefits and perks to support an inclusive environment that recognizes contributions from all and fosters diversity by supporting Employee Resource Groups. Your voice will be heard and your unique background will be celebrated as part of the Credit Karma team.
Privacy Policies Credit Karma is committed to protecting personal data. Please review our privacy policies:
GDPR Privacy Policy
U.S. Job Applicant Privacy Notice
#J-18808-Ljbffr