Job Details

Senior Credit AI Scientist – Consumer Risk

Join Credit Karma as a Senior AI Scientist in our Consumer Risk AI Science team. You'll develop cutting‑edge credit risk AI/ML models for new lending products and have a direct impact on hundreds of thousands of customers.

What you'll do

• Own the model lifecycle for short‑term lending products (tax refund advances, BNPL, installment loans, early wage access).
• Design, build, deploy, evaluate, defend, and monitor machine learning models to predict credit risk.
• Collaborate with credit policy, product and fraud risk teams to align models with business goals.
• Build efficient and reusable data pipelines for feature generation, model development, scoring, and reporting using Python, SQL, and proprietary ML infrastructures.
• Deploy models in production with other AI scientists and ML engineers.
• Ensure model fairness, interpretability, and compliance with FCRA, ECOA, and other regulatory frameworks.
• Contribute to the evolution of our data & ML infrastructure within the Intuit ecosystem.
• Research and implement practical and creative machine learning and statistical approaches suitable for a fast‑paced environment.

Minimum Basic Requirements

• Advanced degree (Ph.D./MS) in CS, Data Science, AI, Mathematics, Statistics, Physics, or related quantitative discipline.
• 3‑6 years experience in AI Science / ML and related areas.
• Authoritative knowledge of Python and SQL.
• Experience in fintech credit risk, deep understanding of payment systems, money movement products, banking, and lending.
• Experience with credit bureau, tax, and cash flow data in credit risk model development.
• Deep understanding of credit risk modeling concepts (PD calibration, reject inference, adverse action logic, risk segmentation).
• Expertise in designing and building efficient and reusable data pipelines and ML frameworks.
• Strong business problem solving, communication and collaboration skills.
• Ambitious, results‑oriented, innovative thinker.

Preferred Qualifications

• Proficiency in deep learning frameworks (TensorFlow, PyTorch, etc.).
• Experience with public cloud platforms (GCP or AWS) and workflow orchestration tools like Airflow.
• Strong background in MLOps infrastructure (Vertex AI or AWS SageMaker, pipelines, automated retraining, monitoring, version control).
• Experience with experimentation design and analysis (A/B testing, statistical analysis).

Seniority Level

Mid‑Senior level

Employment Type

Full‑time

Job Function

Engineering and Information Technology

Industries

Consumer Services

Equal Employment Opportunity: Credit Karma is an Equal Employment Opportunity Employer and welcomes candidates without regard to race, color, religion, age, gender, sexual orientation, or any other protected characteristic.