Intuit Credit Karma is a mission-driven company, focused on championing financial progress for our more than 130 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 savings accounts and checking accounts* -- all for free. Credit Karma has grown significantly through the years: we now have more than 1,700 employees across our offices in Oakland, Charlotte, Culver City, San Diego, London and New York City.

*Banking services provided by MVB Bank, Inc., Member FDIC

The Credit Karma Money team is a fundamental piece to achieving that vision. We want to change consumers' relationship with money, to help them spend wisely, save for the future and build wealth. With the launch of high yield savings and checking/ debit a few years back, we are well on our way to achieving this vision of helping our members throughout their financial journey. 

The Risk and Payments data science team is on a mission to enhance the Credit Karma Money product and service experience for members, by optimizing existing features and enabling new features while protecting members and their money from fraud, through the application of machine learning and artificial intelligence solutions.  As Credit Karma Money grows, it’s more important than ever that we continue to build world-class risk and payment capabilities within our data infrastructure.

We are looking for an innovative, experienced and hands-on Staff Data Scientist to join our effort to help Credit Karma Money members achieve their financial goals.

What you’ll do:

  • Provide technical leadership for the Risk & Payments Data Science team by enhancing the impact of others and playing an active role in fostering a culture of ownership and autonomy.
  • Lead the credit risk data science initiatives for the new and evolving CK Money product offerings focusing on the lending domain, including complete hands-on ownership of the model lifecycle, ownership of success and key results at the program-level, and driving the technical strategy and strategic decisioning roadmap across all involved teams.
  • Partner with colleagues throughout the organization to identify high-impact opportunities to leverage and utilize data science models to best suit the business needs, including contributing to strategies which balance revenue and risk.
  • Contribute to the evolution of our data and machine learning infrastructure to improve efficiency and effectiveness of data science solutions
  • Contribute to the design and execution of a cohesive data strategy (evaluating, obtaining, accessing and optimally storing data) across all data users
  • Represent the team and Credit Karma in internal and external forums such as executive level presentations, conferences, speaking engagements and meetups, and act as a talent magnet and spokesperson in such forums.  
  • 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 with fun, smart people.
  • Experience professional growth and encourage growth throughout the team.
  • Work cross functionally (with executives, engineering, rules & strategy, product, analytics, operations and other data science teams) to ensure efficient and effective use of data science in ways that make an immediate and substantial impact

Minimum Basic Requirement:

  • Advanced Degree (Ph.D. / MS) in Computer Science, Data Science, AI, Mathematics, Statistics, Physics or a related quantitative discipline
  • 6-8+ years of experience in Data Science / Machine Learning and related areas
  • Relevant work experience in credit risk and/or financial fraud risk, with deep understanding of payment systems, money movement products, and banking, finance, credit bureau, and fraud detection data
  • Experience and deep understanding of 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
  • Proficiency in deep learning ML frameworks such as TensorFlow, PyTorch, etc.  
  • 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
  • Authoritative knowledge of Python and SQL
  • Strong business problem solving, communication and collaboration skills
  • Ambitious, results oriented, hardworking, team player, innovator and creative thinker

Preferred Qualifications:

  • Work experience with public cloud platforms (especially GCP), Apache airflow, Vertex AI, unsupervised machine learning, anomaly detection, Scala, data-driven strategy design and optimization
  • Experience in MLOps infrastructure and tooling
  • Experience in graph modeling (GNNs)
  • Experience with experimentation design and analysis

Benefits at Credit Karma includes:

  • Medical and Dental Coverage
  • Retirement Plan
  • Commuter Benefits
  • Wellness perks
  • Paid Time Off (Vacation, Sick, Baby Bonding, Cultural Observance, & More)
  • Education Perks
  • Paid Gift Week in December

Pay Transparency Notice: Credit Karma’s mission of championing financial progress for all starts from within. That’s why we implemented role-based compensation, which ensures people who are in the same role receive the same pay with variations for geographic location only. It’s all part of a more comprehensive DEI strategy that helps level the playing field. The base salary for this role is $331,066, plus equity and benefits.

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. 

Credit Karma is also  committed to a diverse and inclusive work environment because it is the right thing to do. We believe that such an environment advances long-term professional growth, creates a robust business, and supports our mission of championing financial progress for everyone. We offer generous benefits and perks with a single eye to nourishing an inclusive environment that recognizes the contributions of all and fosters diversity by supporting our internal Employee Resource Groups. We’ve worked hard to build an intensely collaborative and creative environment, a diverse and inclusive employee culture, and the opportunity for professional growth. As part of the Credit Karma team, your voice will be heard, your contributions will matter, and your unique background and experiences will be celebrated.

Please contact if you are interested in employment with Credit Karma and need special assistance or an accommodation to either apply or interview for a specific role.

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