Senior Credit AI Scientist - Consumer Risk Fraud at Credit Karma

San Diego, California, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

FinTech, Financial ServicesIndustries

Requirements

Advanced Degree (Ph.D. / MS) in Computer Science, Data Science, AI, Mathematics, Statistics, Physics or a 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

Responsibilities

Contribute to the credit risk AI science initiatives for the new and evolving Money product offerings focusing on the lending domain, including complete hands-on ownership of the model lifecycle, sharing ownership of success and key results at the program-level, and driving 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 offering 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

Skills

Key technologies and capabilities for this role

AIMachine LearningCredit Risk ModelingFraud DetectionML ModelsModel DeploymentModel EvaluationModel MonitoringData Strategy

Questions & Answers

Common questions about this position

What will I be working on as a Senior Credit AI Scientist?

You'll develop cutting-edge credit risk AI/ML models for new lending products like tax refund advances, BNPL, installment loans, and early wage access, handling the full model lifecycle, data strategy, and collaboration with credit policy, product, and fraud teams.

What technical skills are required for this role?

The role requires hands-on experience with Python, SQL, and machine learning infrastructures for building data pipelines, model development, deployment, and ensuring model fairness, interpretability, and regulatory compliance.

Is this role remote or office-based?

This information is not specified in the job description.

What is the salary or compensation for this position?

This information is not specified in the job description.

What is the team environment like at Credit Karma?

You'll join a collaborative and inventive team of AI scientists and machine learning engineers, working hands-on with direct impact on hundreds of thousands of customers in a mission-driven company focused on financial progress.

Credit Karma

Provides free credit scores and financial tools

About Credit Karma

Credit Karma provides financial tools and resources to help individuals improve their financial health. The platform offers free access to credit scores, credit monitoring, and personalized recommendations for credit cards and loans, including options for cars, homes, and personal financing. Users can track their credit progress and receive alerts about changes to their credit reports. Unlike many competitors, Credit Karma operates on a freemium model, allowing users to access a wide range of services at no cost while earning revenue through partnerships with financial institutions. The company's goal is to empower its members to achieve their financial goals by providing helpful resources and fostering a sense of ownership and progress in their financial journeys.

Oakland, CaliforniaHeadquarters

2007Year Founded

$358MTotal Funding

ACQUISITIONCompany Stage

Fintech, Cybersecurity, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Health Insurance

Dental Insurance

401(k) Retirement Plan

Commuter Benefits

Wellness Program

Paid Vacation

Paid Sick Leave

Education Perks

Risks

Increased competition from Walmart-backed FinTech One could challenge Credit Karma's market share.

Integration challenges from Zendrive acquisition may distract from Credit Karma's core objectives.

Intuit's AI advancements could overshadow Credit Karma's financial tools and services.

Differentiation

Credit Karma pioneered free credit scores, setting it apart in personal finance.

The company offers a comprehensive suite of free financial tools and recommendations.

Credit Karma's freemium model generates revenue through partnerships with financial institutions.

Upsides

Credit Karma's acquisition of Zendrive enhances its mobility risk intelligence offerings.

AI-driven financial assistants could inspire Credit Karma to develop personalized financial tools.

Growing digital solutions adoption by SMBs presents expansion opportunities for Credit Karma.

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