Credit Karma · 2 hours ago
Senior Credit AI Scientist - Consumer Risk
Mountain View, California, United States
Full-time
Hybrid
Mid, Senior Level
$174K/yr - $234K/yr
3+ years expCredit Karma is a mission-driven company focused on championing financial progress for over 140 million members globally. They are seeking a Senior AI Scientist to develop cutting-edge credit risk AI/ML models for new lending products, collaborating with cross-functional teams to drive actionable lending decisions.
CreditFinanceFinancial ServicesFinTechPersonal Finance
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
Qualification
Required
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 framework for machine learning models
Strong business problem solving, communication and collaboration skills
Ambitious, results oriented, hardworking, team player, innovator and creative thinker
Preferred
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
Benefits
Cash bonus
Equity rewards
Benefits
Company
Credit Karma
Credit Karma offers a range of tools and personalized recommendations designed to help customers make the most of their money.
10001+ employees
H1B Sponsorship
Credit Karma has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (133)
2024 (134)
2023 (118)
2022 (130)
2021 (146)
2020 (140)
Funding
Current Stage
Late StageTotal Funding
$868MKey Investors
Silver LakeSV AngelCapitalG
2020-02-24Acquired
2018-03-28Secondary Market· $500M
2015-06-23Series E· $175M
Leadership Team
Ryan Graciano
Co-Founder & Consulting Advisor
Alicia Hwang
Managing Counsel
Recent News
500 global
2025-12-31
felicis.com
2025-12-30
globalventuring.com
2025-12-08
Company data provided by crunchbase