Intuit Credit Karma
Senior Credit AI Scientist Consumer Risk
Intuit Credit Karma, Oakland, California, United States, 94616
Intuit Credit Karma is a mission-driven company focused on championing financial progress for our more than 140 million members globally. While we’re best known for pioneering free credit scores, our members turn to us for everything related to their financial goals, including identity monitoring, applying for credit cards, shopping for insurance and loans (car, home, and personal), and saving accounts and checking accounts—all for free.
All for free. Credit Karma has grown significantly through the years: we now have more than 1700 employees across our offices in Oakland, Charlotte, Culver City, San Diego, London, Bangalore, and New York City.
Banking services provided by MVB Bank Inc. Member FDIC
Intuit’s Consumer Group, including TurboTax and Credit Karma, empowers millions of individuals to take control of their finances. TurboTax simplifies tax preparation and enables our customers to file with confidence. By harnessing the power of data and artificial intelligence (AI), we continuously innovate and evolve our consumer offerings to deliver even greater value.
As we expand into Consumer Lending within the Consumer Group, Intuit Credit Karma is looking for an innovative, experienced, and hands‑on Senior AI Scientist to join our Consumer Risk AI Science team. This role will develop cutting‑edge credit risk AI/ML models for new lending products. Join a collaborative and inventive team of AI scientists and machine learning engineers where your work will have a direct impact on 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, focusing on the lending domain. Own the model lifecycle, share ownership of success and key results at the program level, and drive the data strategy across all 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, and early wage access).
Collaborate with credit policy, product, and fraud risk teams to ensure models align 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 machine learning and AI infrastructures.
Deploy models in a production environment in collaboration with other AI scientists and machine learning engineers.
Ensure model fairness, interpretability, and compliance with FCRA, ECOA, and other relevant regulatory frameworks.
Contribute to the evolution of our data and machine learning infrastructure within the Intuit ecosystem to improve efficiency and effectiveness of AI science solutions.
Research and implement practical and creative machine learning and statistical approaches suitable for our fast‑paced growing environment.
What’s great about the role:
Solve hard, meaningful problems giving customers access to their hard‑earned money alongside fun, smart people.
Experience professional growth and encourage growth throughout 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 in ways that make an immediate substantial and sustainable impact.
Minimum Basic Requirements:
Advanced Degree (Ph.D. / MS) in Computer Science, Data Science, AI, Mathematics, Statistics, Physics, or a related quantitative discipline.
3‑6 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 with and deep understanding of developing, deploying, monitoring, and maintaining a variety of machine learning techniques including, but not limited to, deep learning, tree‑based models, reinforcement learning, clustering, time series, causal analysis, and natural language processing.
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 and reusable data pipelines and frameworks for machine learning 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.
Work experience with public cloud platforms (especially GCP or AWS) and workflow orchestration tools like Apache Airflow.
Strong background in MLOps infrastructure and tooling, 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.
Intuit provides a competitive compensation package with a strong pay‑for‑performance rewards approach. The expected base pay range for this position in Bay Area, California is $173,500.00 – $234,500.00. This position will be eligible for a cash bonus, equity rewards, and benefits in accordance with our applicable plans and programs.
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 gender expression, national origin, veteran or military status, disability (physical or mental), genetic information, or other protected characteristic. We prohibit discrimination of any kind and operate in compliance with applicable fair chance laws.
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All for free. Credit Karma has grown significantly through the years: we now have more than 1700 employees across our offices in Oakland, Charlotte, Culver City, San Diego, London, Bangalore, and New York City.
Banking services provided by MVB Bank Inc. Member FDIC
Intuit’s Consumer Group, including TurboTax and Credit Karma, empowers millions of individuals to take control of their finances. TurboTax simplifies tax preparation and enables our customers to file with confidence. By harnessing the power of data and artificial intelligence (AI), we continuously innovate and evolve our consumer offerings to deliver even greater value.
As we expand into Consumer Lending within the Consumer Group, Intuit Credit Karma is looking for an innovative, experienced, and hands‑on Senior AI Scientist to join our Consumer Risk AI Science team. This role will develop cutting‑edge credit risk AI/ML models for new lending products. Join a collaborative and inventive team of AI scientists and machine learning engineers where your work will have a direct impact on 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, focusing on the lending domain. Own the model lifecycle, share ownership of success and key results at the program level, and drive the data strategy across all 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, and early wage access).
Collaborate with credit policy, product, and fraud risk teams to ensure models align 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 machine learning and AI infrastructures.
Deploy models in a production environment in collaboration with other AI scientists and machine learning engineers.
Ensure model fairness, interpretability, and compliance with FCRA, ECOA, and other relevant regulatory frameworks.
Contribute to the evolution of our data and machine learning infrastructure within the Intuit ecosystem to improve efficiency and effectiveness of AI science solutions.
Research and implement practical and creative machine learning and statistical approaches suitable for our fast‑paced growing environment.
What’s great about the role:
Solve hard, meaningful problems giving customers access to their hard‑earned money alongside fun, smart people.
Experience professional growth and encourage growth throughout 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 in ways that make an immediate substantial and sustainable impact.
Minimum Basic Requirements:
Advanced Degree (Ph.D. / MS) in Computer Science, Data Science, AI, Mathematics, Statistics, Physics, or a related quantitative discipline.
3‑6 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 with and deep understanding of developing, deploying, monitoring, and maintaining a variety of machine learning techniques including, but not limited to, deep learning, tree‑based models, reinforcement learning, clustering, time series, causal analysis, and natural language processing.
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 and reusable data pipelines and frameworks for machine learning 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.
Work experience with public cloud platforms (especially GCP or AWS) and workflow orchestration tools like Apache Airflow.
Strong background in MLOps infrastructure and tooling, 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.
Intuit provides a competitive compensation package with a strong pay‑for‑performance rewards approach. The expected base pay range for this position in Bay Area, California is $173,500.00 – $234,500.00. This position will be eligible for a cash bonus, equity rewards, and benefits in accordance with our applicable plans and programs.
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 gender expression, national origin, veteran or military status, disability (physical or mental), genetic information, or other protected characteristic. We prohibit discrimination of any kind and operate in compliance with applicable fair chance laws.
#J-18808-Ljbffr