Staff AI Scientist - Consumer Risk Fraud (Intuit) at Credit Karma

New York, New York, 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
6+ years of work experience in AI Science / Machine Learning and related areas
Authoritative knowledge of Python and SQL
Relevant work experience in fintech fraud risk, with deep understanding of money movement products, banking, lending, and fraud detection data

Responsibilities

Contribute to the fraud risk AI science initiatives for new and evolving Money product offerings, 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 and detect fraud risk for primary banking product (CK Money) and various short-term lending products (e.g., tax refund advances, FNPL, 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
Contribute to the evolution of 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 a fast-paced, growing environment

Skills

Key technologies and capabilities for this role

AIMachine LearningFraud DetectionCredit Risk ModelingModel DeploymentModel EvaluationModel MonitoringData Science

Questions & Answers

Common questions about this position

What is the salary or compensation for this Staff AI Scientist role?

This information is not specified in the job description.

Is this Staff AI Scientist position remote or does it require office work?

This information is not specified in the job description.

What key skills are required for the Staff AI Scientist role?

The role requires hands-on experience with the full machine learning model lifecycle, proficiency in Python and SQL for building data pipelines, and expertise in designing, deploying, evaluating, and monitoring ML models for fraud detection.

What is the team culture like for this AI Scientist position?

You'll 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 makes a strong candidate for this Staff AI Scientist role?

Strong candidates are innovative, experienced, and hands-on AI scientists with expertise in credit risk AI/ML fraud models, full model lifecycle ownership, and collaboration across teams to align with business goals.

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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