Job Details

Senior Credit Risk AI Scientist – Fintech Consumer Risk

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Overview

Intuit is the global financial technology platform that powers prosperity for the people and communities we serve. With approximately 100 million customers worldwide using products such as TurboTax, Credit Karma, QuickBooks, and Mailchimp, we believe that everyone should have the opportunity to prosper. We never stop working to find new, innovative ways to make that possible.

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 seeking 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. Your work will have a direct impact on hundreds of thousands of customers.

Responsibilities

• Contribute to the credit risk AI science initiatives for new and evolving money product offerings, including complete ownership of the model lifecycle and data strategy across cross‑functional teams.
• Design, build, deploy, evaluate, defend, and monitor machine learning models to predict credit risk for short‑term lending products (e.g., tax refund advances, BNPL, installment loans, etc.).
• Collaborate with credit policy, product, and fraud risk teams to align models with business goals and deliver actionable lending decisions.
• Build efficient, reusable data pipelines for feature generation, model development, scoring, and reporting using Python, SQL, and proprietary ML infrastructures.
• Deploy models in a production environment, ensuring fairness, interpretability, and compliance with FCRA, ECOA, and other regulatory frameworks.
• Research and implement practical and creative machine learning and statistical approaches suitable for a fast‑paced fintech environment.
• Contribute to the evolution of our data and machine learning infrastructure within the Intuit ecosystem to improve efficiency and effectiveness of AI science solutions.

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 for immediate, substantial impact.

Qualifications

• Advanced degree (Ph.D./MS) in Computer Science, Data Science, AI, Mathematics, Statistics, Physics, or a related quantitative discipline.
• 3–6 years of experience in AI science / machine learning and related areas.
• Authoritative knowledge of Python and SQL.
• Relevant 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 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 develop a deep statistical understanding of large, complex datasets.
• Expertise in designing and building efficient and reusable data pipelines and frameworks 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.
• 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. This position will be eligible for a cash bonus, equity rewards, and benefits, in accordance with our applicable plans and programs. Pay 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.

Salary ranges:
Bay Area, California: $173,500 – $234,500
Southern California: $160,500 – $217,000
New York, NY: $172,000 – $232,500