Talent.com
Senior Credit AI Scientist - Consumer Risk

Senior Credit AI Scientist - Consumer Risk

Credit KarmaMountain View, CA, United States
9 days ago
Job type
  • Full-time
Job description

Intuit Credit Karma is a mission-driven company, focused on championing financial progress for our more than 140 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, Bangalore, and New York City.
  • Banking services provided by MVB Bank, Inc., Member FDIC

Intuit's Consumer Group, including TurboTax and Credit Karma, empowers millions of individuals to take control of their finances. TurboTax simplifies tax preparation and enables our customers to file with confidence. By harnessing the power of data and artificial intelligence (AI), we continuously innovate and evolve our consumer offerings to deliver even greater value.

As we expand into Consumer Lending within the Consumer Group, Intuit Credit Karma is looking for an innovative, experienced, and hands-on Senior AI Scientist to join our Consumer Risk AI Science team. In this role, you'll develop cutting-edge credit risk AI / ML models for new lending products. 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 you'll do :

  • 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 enginers
  • 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.
  • What's great about the role :

  • Solve hard, meaningful problems giving customers access to their hard-earned money alongside fun, smart people.
  • Experience professional growth and encourage growth throughout the team.
  • Work cross functionally (with executives, engineering, policy & rules, product, analytics, operations and other AI science teams) to ensure efficient and effective use of data science in ways that make an immediate, substantial, and sustainable impact
  • Minimum Basic Requirements :

  • 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 Qualifications :

  • 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
  • Intuit provides a competitive compensation package with a strong pay for performance rewards approach. The expected base pay range for this position in Bay Area California is $173,500.00 - 234,500. This position will be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit® : Careers | Benefits). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender.

    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.

    Privacy Policies :

    Credit Karma is strongly committed to protecting personal data. Please take a look below to review our privacy policies :

    US Job Applicant Privacy Notice

    UK Job Applicant Privacy Notice

    Create a job alert for this search

    Senior Ai Scientist • Mountain View, CA, United States

    Related jobs
    • Promoted
    AI Engineer, Evaluation and Reliability

    AI Engineer, Evaluation and Reliability

    Mice GroupsRedwood City, CA, US
    Permanent
    Senior Engineer, AI Evaluation and Reliability / Contract-to-Hire or Direct Hire / Redwood City / Hybrid, onsite 3 days per week / This position pays $70-80 / hr. W2 for Contract, $140-190K annually u...Show moreLast updated: 2 days ago
    • Promoted
    Travel CT Technologist - $3,101 per week

    Travel CT Technologist - $3,101 per week

    GetMed Staffing, Inc.Watsonville, CA, United States
    Full-time
    CT Technologist for a travel job in Watsonville, California.Job Description & Requirements.GetMed Staffing is searching for a strong CT Tech to assist our traveler-friendly client.A minimum of 1-2 ...Show moreLast updated: 2 days ago
    • Promoted
    Travel Radiology Tech in San Jose, CA

    Travel Radiology Tech in San Jose, CA

    LanceSoftMt Hamilton, CA, United States
    Full-time
    We are currently seeking qualified candidates for Radiology / Imaging Position Details : Location San Jose, CA Shift 5x8 Rotating, 12 : 00 : 00-20 : 00 : 00, 8. Duration of Assignment 1000 Day 1 Medical, Healt...Show moreLast updated: 21 days ago
    • Promoted
    Travel MRI Tech - $2,675 per week in Santa Cruz, CA

    Travel MRI Tech - $2,675 per week in Santa Cruz, CA

    AlliedTravelCareersSanta Cruz, CA, US
    Full-time
    AlliedTravelCareers is working with Medical Solutions to find a qualified MRI Tech in Santa Cruz, California, 95062!.A facility in Santa Cruz, CA is seeking its next amazing MRI Technologist.Read o...Show moreLast updated: 1 day ago
    • Promoted
    Travel CT Technologist

    Travel CT Technologist

    First Connect HealthSanta Cruz, CA, US
    Full-time
    First Connect Health is seeking a travel CT Technologist for a travel job in Santa Cruz, California.Job Description & Requirements. Experience : 2+ years of minimum experience as CT Tech.Certific...Show moreLast updated: 12 days ago
    • Promoted
    Stanford Hematology / Oncology Physician - San Jose, Pleasanton, Castro Valley (Full Time)

    Stanford Hematology / Oncology Physician - San Jose, Pleasanton, Castro Valley (Full Time)

    HealthEcareers - ClientMorgan Hill, California, United States
    Full-time
    Stanford Hematology / Oncology Physician - San Jose, Pleasanton, Castro Valley (Full Time).University Medical Partners is a California professional corporation owned and led by physicians and other h...Show moreLast updated: 30+ days ago
    • Promoted
    Research & Strategy Analyst, Life Sciences

    Research & Strategy Analyst, Life Sciences

    Savills North AmericaHayward, CA, US
    Full-time
    Savills is seeking a Research & Strategy Analyst to join its Life Sciences Practice Group.This hybrid role blends market research, strategic insight, and business development support to empower...Show moreLast updated: 30+ days ago
    • Promoted
    Research Compliance Analyst

    Research Compliance Analyst

    University of California - Santa CruzSanta Cruz, CA, United States
    Full-time +1
    This recruitment is for two positions within our compliance team : one with an IRB focus and one with an IACUC / Animal Welfare focus. This position may be considered for hybrid or remote work, subject...Show moreLast updated: 30+ days ago
    • Promoted
    Assistant Director for Crisis Response

    Assistant Director for Crisis Response

    University of California - Santa CruzSanta Cruz, CA, United States
    Full-time +1
    For full consideration, applicants should attach their resume and cover letter when applying for a job opening.For guidance related to the application process or if you are experiencing difficultie...Show moreLast updated: 30+ days ago
    • Promoted
    Travel MRI Tech - $3,031 per week in Santa Cruz, CA

    Travel MRI Tech - $3,031 per week in Santa Cruz, CA

    AlliedTravelCareersSanta Cruz, CA, US
    Full-time
    AlliedTravelCareers is working with Medical Solutions to find a qualified MRI Tech in Santa Cruz, California, 95062!.A facility in Santa Cruz, CA is seeking its next amazing MRI Technologist.Read o...Show moreLast updated: 1 day ago
    • Promoted
    Senior Payer Analytics Consultant

    Senior Payer Analytics Consultant

    Central California Alliance for HealthScotts Valley, CA, United States
    Full-time +1
    We have an opportunity to join the Alliance as a Senior Payer Analytics Consultant in the Payment Strategy Department.There are two positions that can be filled as a Senior Payer Analytics Consulta...Show moreLast updated: 30+ days ago
    • Promoted
    Product Marketing, Senior Manager, AI & Analytics

    Product Marketing, Senior Manager, AI & Analytics

    Medallia, Inc.Pleasanton, CA, United States
    Full-time
    Medallia is the pioneer and market leader in Experience Management.Our award-winning SaaS platform, Medallia Experience Cloud, leads the market in the management of experiences, insights, and actio...Show moreLast updated: 30+ days ago
    • Promoted
    Principal Commercial Credit Officer - Tech and Life Science

    Principal Commercial Credit Officer - Tech and Life Science

    First Citizens BankSan Francisco, CA, US
    Full-time
    This is a hybrid role, with the expectation that time working will regularly take place inside and outside of our NY, Boston, SF, Chicago, Denver or North Carolina (Raleigh / Charlotte) offices.Will ...Show moreLast updated: 30+ days ago
    • Promoted
    Top-Tier Silicon Valley Role With Competitive Compensation, Bonuses & High Growth Potential

    Top-Tier Silicon Valley Role With Competitive Compensation, Bonuses & High Growth Potential

    HealthEcareers - ClientScotts Valley, California, United States
    Full-time
    Find a Career Where You Can Thrive—Not Just Another Job.At Schweiger Dermatology Group, we offer an opportunity to grow and excel in a supportive and dynamic environment. New York, New Jersey, Penns...Show moreLast updated: 3 days ago
    • Promoted
    • New!
    Senior AI Lead - Credit Card Underwriting & Risk

    Senior AI Lead - Credit Card Underwriting & Risk

    ImprintSan Francisco, CA, United States
    Full-time
    A leading fintech company in San Francisco is seeking a Senior AI Implementation Specialist to drive AI solutions across the credit card lifecycle. You will lead model design for underwriting and fr...Show moreLast updated: 7 hours ago
    • Promoted
    Machine Learning Research Lead, Security & Policy Research Lab

    Machine Learning Research Lead, Security & Policy Research Lab

    Scale AI, Inc.San Francisco, CA, United States
    Full-time
    As the leading data and evaluation partner for frontier AI companies, Scale plays an integral role in understanding the capabilities and safeguarding AI models and systems.Building on this expertis...Show moreLast updated: 30+ days ago
    • Promoted
    Travel CT Technologist - $3,225 per week

    Travel CT Technologist - $3,225 per week

    LanceSoftWatsonville, CA, United States
    Permanent
    LanceSoft is seeking a travel CT Technologist for a travel job in Watsonville, California.Job Description & Requirements. Established in 2000, LanceSoft is a Certified MBE and Woman-Owned organizati...Show moreLast updated: 13 days ago
    • Promoted
    Senior Advisor

    Senior Advisor

    University of California - Santa CruzSanta Cruz, CA, United States
    Full-time +2
    Please note : Position is in-person with a possibility of a hybrid remote schedule.Applicants should submit a cover letter and a resume. For full consideration, applicants should attach their resume ...Show moreLast updated: 17 days ago