Staff AI Scientist II at Credit Karma

Oakland, California, United States

Credit Karma Logo
Not SpecifiedCompensation
Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level
Full TimeJob Type
UnknownVisa
FinTech, Financial Services, Ad TechIndustries

Requirements

  • MS/PhD in a quantitative discipline (e.g., computer science, machine learning, data science, engineering) with 10+ years of experience in data science, software engineering, or data architecture
  • Excellent communication skills with both technical and non-technical audiences, with the ability to collaborate with cross-functional teams and drive innovation
  • Proven track record of designing and implementing large-scale machine learning systems, with expertise in scaling AI-powered solutions
  • Ability to architect and develop next-generation ML systems, staying ahead of industry trends and integrating latest advancements (e.g., GenAI)
  • Deep understanding of current ML systems and the ability to evolve them into cutting-edge, innovative, and scalable solutions
  • Strong background in programming languages (e.g., Python, Java, C++)
  • Strong understanding of operational maturity, industry challenges, and future risks and opportunities in large-scale AI systems

Responsibilities

  • Collaborate with Engineering, Product, and cross-functional teams to architect and implement cutting edge machine learning systems at scale, driving technical strategy and roadmap for AI capabilities
  • Present and drive alignment with Senior Leadership across all lines of business on ad technology innovations
  • Define and execute the technical vision for current and future ML capabilities as it relates to ad recommendations, with a focus on GenAI and Agentic systems
  • Design and develop large-scale AI systems, leveraging expertise to evolve current systems and create competitive advantages in ad tech
  • Stay ahead of industry trends and challenges, identifying opportunities and risks to inform technical decisions and drive innovation
  • Provide technical guidance, mentoring, and oversight to data scientists and engineers, promoting best practices and knowledge sharing
  • Exhibit intellectual curiosity, intrinsic drive, decisiveness, and resilience in navigating technical ambiguity and complexity

Skills

Machine Learning
Generative AI
Data Science
Recommendation Systems
Scalable ML
Ad Technology

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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